| Weiss Ratings |
Luzerne Bank
Luzerne, PA |
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| Rating | ||||
| Asset Quality Index | 5.30 | |||
| Capitalization Index | 6.00 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 5.10 | |||
| Stability Index | 6.60 | |||
| Company Info |
Luzerne Bank
Luzerne, PA |
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| FDIC Number | 7586 | |||
| Phone Number | (570) 288-4511 | |||
| Website | www.luzernebank.com | |||
| Asset Quality |
Luzerne Bank
Luzerne, PA |
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| 1-Year Asset Growth | 3.31% | |||
| 5-Year Asset Growth | 11.30% | |||
| 5-Year Charge-Offs to Average Loans | 0.07% | |||
| Charge-Offs to Average Loans | 0.06% | |||
| Non-Performing Assets to Assets | 0.20% | |||
| Non-Performing Loans to Capital | 3.64% | |||
| Non-Performing Loans to Loans | 0.26% | |||
| Balance Sheet |
Luzerne Bank
Luzerne, PA |
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| Total Assets | 710.32M | |||
| Total Deposits | 566.71M | |||
| Capital and Reserves |
Luzerne Bank
Luzerne, PA |
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| Capital | 69.24M | |||
| Leverage Ratio | 8.01 | |||
| Loan Loss Reserves to Loans | 0.47% | |||
| Risk-Based Capital Ratio | 11.14 | |||
| Liquidity |
Luzerne Bank
Luzerne, PA |
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| Hot Money Ratio | 12.63% | |||
| Liquidity Ratio | 16.26% | |||
| Profitability |
Luzerne Bank
Luzerne, PA |
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| 5-Year Return on Average Assets | 1.01% | |||
| Net Income | 1.73M | |||
| Net Interest Spread | 3.36% | |||
| Operating Profit to Average Assets | 1.22% | |||
| Overhead Efficiency Ratio | 60.25% | |||
| Return on Assets | 0.98% | |||
| Return on Equity | 10.01% | |||