Call reports 2010
LIBERTY FIRST BANK — 2010
What LIBERTY FIRST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 98,351,000 | 97,390,000 | 95,682,000 | 95,920,000 |
| Total loans | 64,697,000 | 65,326,000 | 65,608,000 | 68,684,000 |
| Allowance for loan losses | 930,000 | 847,000 | 884,000 | 918,000 |
| Securities available for sale | 20,402,000 | 17,545,000 | 14,590,000 | 15,520,000 |
| Securities held to maturity | 5,653,000 | 4,270,000 | 3,948,000 | 3,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,140,000 | 80,626,000 | 78,891,000 | 79,601,000 |
| Interest-bearing deposits | 75,580,000 | 73,278,000 | 72,495,000 | 70,958,000 |
| Noninterest-bearing deposits | 5,560,000 | 7,348,000 | 6,397,000 | 8,643,000 |
| Equity capital | 10,675,000 | 10,999,000 | 11,106,000 | 10,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,151,000 | 2,335,000 | 3,509,000 | 4,664,000 |
| Interest expense | 429,000 | 849,000 | 1,249,000 | 1,617,000 |
| Net interest income | 722,000 | 1,486,000 | 2,260,000 | 3,047,000 |
| Noninterest income | 40,000 | 84,000 | 132,000 | 181,000 |
| Noninterest expense | 549,000 | 1,129,000 | 1,778,000 | 2,465,000 |
| Provision for loan losses | 70,000 | 130,000 | 190,000 | 250,000 |
| Pretax income | 197,000 | 378,000 | 491,000 | 605,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 197,000 | 378,000 | 491,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,512,000 | 10,703,000 | 10,825,000 | 10,947,000 |
| Total capital | 11,362,000 | 11,550,000 | 11,664,000 | 11,823,000 |
| Risk-weighted assets | 67,878,000 | 69,035,000 | 67,305,000 | 70,075,000 |
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