Call reports 2013
BANKLIBERTY — 2013
What BANKLIBERTY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 403,191,000 | 461,477,000 | 455,528,000 | 509,739,000 |
| Total loans | 305,063,000 | 347,348,000 | 341,826,000 | 334,845,000 |
| Allowance for loan losses | 5,929,000 | 6,582,000 | 6,487,000 | 6,322,000 |
| Securities available for sale | 11,188,000 | 15,184,000 | 15,069,000 | 15,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,756,000 | 367,882,000 | 367,490,000 | 414,652,000 |
| Interest-bearing deposits | 231,380,000 | 262,492,000 | 255,691,000 | 273,661,000 |
| Noninterest-bearing deposits | 70,376,000 | 105,390,000 | 111,799,000 | 140,991,000 |
| Equity capital | 63,231,000 | 63,017,000 | 64,172,000 | 63,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,876,000 | 10,490,000 | 15,839,000 | 20,775,000 |
| Interest expense | 642,000 | 1,251,000 | 1,795,000 | 2,292,000 |
| Net interest income | 4,234,000 | 9,239,000 | 14,044,000 | 18,483,000 |
| Noninterest income | 653,000 | 917,000 | 1,487,000 | 2,373,000 |
| Noninterest expense | 3,211,000 | 7,043,000 | 10,758,000 | 14,631,000 |
| Provision for loan losses | 0 | 1,155,000 | 1,155,000 | 1,605,000 |
| Pretax income | 1,676,000 | 1,960,000 | 3,620,000 | 4,614,000 |
| Income tax | 560,000 | 633,000 | 1,215,000 | 1,546,000 |
| Net income | 1,116,000 | 1,327,000 | 2,405,000 | 3,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,918,000 | 62,006,000 | 63,149,000 | 60,483,000 |
| Total capital | 65,958,000 | 66,640,000 | 67,612,000 | 64,987,000 |
| Risk-weighted assets | 323,158,000 | 368,824,000 | 357,298,000 | 360,120,000 |