Call reports 2023
LUZERNE BANK — 2023
What LUZERNE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 567,058,000 | 594,399,000 | 644,770,000 | 644,872,000 |
| Total loans | 468,622,000 | 493,059,000 | 515,072,000 | 526,269,000 |
| Allowance for loan losses | 2,116,000 | 2,248,000 | 2,438,000 | 1,901,000 |
| Securities available for sale | 40,347,000 | 40,075,000 | 41,254,000 | 38,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,109,000 | 465,205,000 | 501,025,000 | 488,722,000 |
| Interest-bearing deposits | 259,950,000 | 286,413,000 | 321,829,000 | 315,338,000 |
| Noninterest-bearing deposits | 191,159,000 | 178,792,000 | 179,196,000 | 173,384,000 |
| Equity capital | 58,801,000 | 59,071,000 | 59,903,000 | 64,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,523,000 | 11,647,000 | 18,496,000 | 26,563,000 |
| Interest expense | 924,000 | 2,475,000 | 4,560,000 | 7,359,000 |
| Net interest income | 4,599,000 | 9,172,000 | 13,936,000 | 19,204,000 |
| Noninterest income | 378,000 | 830,000 | 1,264,000 | 1,709,000 |
| Noninterest expense | 2,910,000 | 6,129,000 | 9,130,000 | 12,112,000 |
| Provision for loan losses | 7,000 | 195,000 | 485,000 | 96,000 |
| Pretax income | 2,117,000 | 3,766,000 | 5,616,000 | 8,756,000 |
| Income tax | 422,000 | 747,000 | 1,111,000 | 1,742,000 |
| Net income | 1,695,000 | 3,019,000 | 4,505,000 | 7,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,049,000 | 46,679,000 | 47,865,000 | 51,974,000 |
| Total capital | 48,256,000 | 49,023,000 | 50,416,000 | 53,984,000 |
| Risk-weighted assets | 455,982,000 | 475,820,000 | 494,097,000 | 505,193,000 |