Call reports 2013
FIRST LIBERTY BANK — 2013
What FIRST LIBERTY BANK 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 | 303,590,000 | 318,296,000 | 322,009,000 | 313,776,000 |
| Total loans | 115,718,000 | 116,211,000 | 117,597,000 | 120,655,000 |
| Allowance for loan losses | 1,059,000 | 1,106,000 | 1,105,000 | 1,058,000 |
| Securities available for sale | 135,424,000 | 136,938,000 | 143,148,000 | 139,339,000 |
| Securities held to maturity | 10,282,000 | 9,767,000 | 9,511,000 | 9,522,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,034,000 | 280,482,000 | 284,243,000 | 276,535,000 |
| Interest-bearing deposits | 250,595,000 | 265,196,000 | 270,749,000 | 259,762,000 |
| Noninterest-bearing deposits | 13,439,000 | 15,286,000 | 13,494,000 | 16,773,000 |
| Equity capital | 33,872,000 | 32,077,000 | 31,959,000 | 31,491,000 |
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 | 2,342,000 | 4,691,000 | 7,048,000 | 9,505,000 |
| Interest expense | 361,000 | 700,000 | 1,047,000 | 1,384,000 |
| Net interest income | 1,981,000 | 3,991,000 | 6,001,000 | 8,121,000 |
| Noninterest income | 671,000 | 1,329,000 | 2,086,000 | 2,758,000 |
| Noninterest expense | 1,787,000 | 3,590,000 | 5,465,000 | 7,371,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 808,000 | 1,620,000 | 2,452,000 | 3,278,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 808,000 | 1,620,000 | 2,452,000 | 3,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,283,000 | 32,572,000 | 32,896,000 | 33,126,000 |
| Total capital | 33,342,000 | 33,678,000 | 34,001,000 | 34,184,000 |
| Risk-weighted assets | 118,718,000 | 123,680,000 | 125,560,000 | 122,772,000 |