| Weiss Ratings |
Luzerne Bank
Luzerne, PA |
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| Rating | ||||
| Asset Quality Index | 5.50 | |||
| Capitalization Index | 6.00 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 5.30 | |||
| 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 | 9.96% | |||
| 5-Year Asset Growth | 11.30% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.11% | |||
| Non-Performing Assets to Assets | 0.17% | |||
| Non-Performing Loans to Capital | 2.92% | |||
| Non-Performing Loans to Loans | 0.23% | |||
| Balance Sheet |
Luzerne Bank
Luzerne, PA |
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| Total Assets | 709.12M | |||
| Total Deposits | 562.79M | |||
| Capital and Reserves |
Luzerne Bank
Luzerne, PA |
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| Capital | 69.32M | |||
| Leverage Ratio | 8.02 | |||
| Loan Loss Reserves to Loans | 0.40% | |||
| Risk-Based Capital Ratio | 11.15 | |||
| Liquidity |
Luzerne Bank
Luzerne, PA |
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| Hot Money Ratio | 12.54% | |||
| Liquidity Ratio | 16.49% | |||
| Profitability |
Luzerne Bank
Luzerne, PA |
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| 5-Year Return on Average Assets | 0.97% | |||
| Net Income | 7.58M | |||
| Net Interest Spread | 3.18% | |||
| Operating Profit to Average Assets | 1.37% | |||
| Overhead Efficiency Ratio | 55.73% | |||
| Return on Assets | 1.10% | |||
| Return on Equity | 11.25% | |||