Vitals
  • Total Assets
    387.7M 5.2 %
  • Total Deposits
    328.8M 6.1 %
  • Total Net Loans
    276.4M 0.9 %
  • Net Income
    2.5M 8.6 %
  • Book Value
    45.4M 1.4 %
  • Book Value x2
    90.8M 1.4 %
  • Book Value x3
    136.2M 1.4 %
ROAA

.665

ROAE

5.447

Efficiency Ratio

68.832

Net Interest Margin

3.456

Balance Sheet Highlights
Financial Highlights The Luzerne Bank All Insured Commercial Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 387,695 784,148
Total Net Loans 276,373 559,183
Total Deposits 328,812 637,080
Total Equity 45,401 81,247
Profitability
Net Income 2,465 6,303
Return on Average Assets .665 .785
Return on Average Equity 5.447 7.431
Net Interest Margin 3.456 3.473
Efficiency Ratio 68.832 69.514
Noninterest Income/Revenue 12.667 18.146
Balance Sheet Ratios
Loan-to-Deposit 84.052 86.432
Securities/Assets .062 .178
Total Equity/Total Assets .117 .104
Tangible Equity/Tangible Assets .079 .094
Capital Adequacy
Tier 1 Common Capital 31,102 72,881
Tier 1 Capital 31,102 73,172
Tier 2 Capital 2,487 6,143
Total Capital 33,589 79,518
Total Risk Weighted Assets 305,988 578,873
Leverage Ratio 8.54 9.899
Common Equity Tier 1 Capital Ratio 10.16 13.811
Tier 1 Capital Ratio 10.16 13.878
Total Capital Ratio 10.98 15.103

Timeline for The Luzerne Bank

Penns Woods Bancorp, Inc.

Penns Woods Bancorp, Inc. became a new parent organization for The Luzerne Bank.

View Profile Jun 01 2013

Luzerne National Bank Corporation

Luzerne National Bank Corporation became a new parent organization for The Luzerne Bank.

View Profile Nov 10 1987

The Luzerne Bank

The Luzerne Bank was established 117 years ago and is currently headquartered in Luzerne, PA.

Jan 01 1907
Relationships Role Relationship Start Relationship End
Penns Woods Bancorp, Inc. Parent 6/1/2013
Luzerne National Bank Corporation Parent 11/10/1987 5/31/2013
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