Call reports 2024
LUZERNE BANK — 2024
What LUZERNE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 687,570,000 | 712,036,000 | 719,792,000 | 709,122,000 |
| Total loans | 539,319,000 | 536,587,000 | 542,067,000 | 538,343,000 |
| Allowance for loan losses | 2,020,000 | 2,252,000 | 2,323,000 | 2,161,000 |
| Securities available for sale | 38,234,000 | 46,048,000 | 47,296,000 | 44,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 519,933,000 | 543,697,000 | 568,905,000 | 562,794,000 |
| Interest-bearing deposits | 346,810,000 | 373,708,000 | 397,896,000 | 391,665,000 |
| Noninterest-bearing deposits | 173,123,000 | 169,989,000 | 171,009,000 | 171,129,000 |
| Equity capital | 65,853,000 | 67,363,000 | 69,141,000 | 69,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 8,027,000 | 16,695,000 | 25,878,000 | 35,012,000 |
| Interest expense | 3,149,000 | 6,609,000 | 10,399,000 | 13,941,000 |
| Net interest income | 4,878,000 | 10,086,000 | 15,479,000 | 21,071,000 |
| Noninterest income | 245,000 | 787,000 | 1,355,000 | 2,046,000 |
| Noninterest expense | 3,220,000 | 6,312,000 | 9,428,000 | 12,884,000 |
| Provision for loan losses | 364,000 | 636,000 | 872,000 | 849,000 |
| Pretax income | 1,613,000 | 4,027,000 | 6,639,000 | 9,478,000 |
| Income tax | 313,000 | 796,000 | 1,320,000 | 1,897,000 |
| Net income | 1,300,000 | 3,231,000 | 5,319,000 | 7,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,874,000 | 54,304,000 | 55,141,000 | 55,651,000 |
| Total capital | 54,925,000 | 56,558,000 | 57,479,000 | 57,825,000 |
| Risk-weighted assets | 522,264,000 | 522,405,000 | 526,974,000 | 518,398,000 |