Call reports 2025
LUZERNE BANK — 2025
What LUZERNE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Total assets | 710,319,000 | 722,235,000 |
| Total loans | 545,723,000 | 550,283,000 |
| Allowance for loan losses | 2,588,000 | 2,441,000 |
| Securities available for sale | 40,761,000 | 38,234,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 566,709,000 | 582,305,000 |
| Interest-bearing deposits | 394,761,000 | 413,276,000 |
| Noninterest-bearing deposits | 171,948,000 | 169,029,000 |
| Equity capital | 69,242,000 | 69,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Interest income | 8,943,000 | 18,345,000 |
| Interest expense | 3,431,000 | 7,013,000 |
| Net interest income | 5,512,000 | 11,332,000 |
| Noninterest income | 525,000 | 1,045,000 |
| Noninterest expense | 3,637,000 | 7,070,000 |
| Provision for loan losses | 512,000 | 642,000 |
| Pretax income | 2,158,000 | 4,916,000 |
| Income tax | 425,000 | 972,000 |
| Net income | 1,733,000 | 3,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Tier 1 capital | 55,385,000 | 55,595,000 |
| Total capital | 57,975,000 | 58,058,000 |
| Risk-weighted assets | 520,563,000 | 525,077,000 |