Call reports 2012
LIBERTY FIRST BANK — 2012
What LIBERTY FIRST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 100,433,000 | 104,867,000 | 107,309,000 | 105,631,000 |
| Total loans | 64,327,000 | 65,050,000 | 65,386,000 | 65,295,000 |
| Allowance for loan losses | 1,016,000 | 1,054,000 | 1,039,000 | 1,039,000 |
| Securities available for sale | 19,983,000 | 25,750,000 | 26,387,000 | 24,928,000 |
| Securities held to maturity | 4,412,000 | 4,844,000 | 6,074,000 | 5,675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,990,000 | 85,138,000 | 87,633,000 | 86,571,000 |
| Interest-bearing deposits | 78,267,000 | 77,456,000 | 79,242,000 | 78,086,000 |
| Noninterest-bearing deposits | 7,723,000 | 7,681,000 | 8,391,000 | 8,485,000 |
| Equity capital | 10,693,000 | 11,218,000 | 11,587,000 | 11,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,125,000 | 2,252,000 | 3,361,000 | 4,494,000 |
| Interest expense | 271,000 | 516,000 | 752,000 | 975,000 |
| Net interest income | 854,000 | 1,736,000 | 2,609,000 | 3,519,000 |
| Noninterest income | 55,000 | 98,000 | 116,000 | -50,000 |
| Noninterest expense | 703,000 | 1,370,000 | 2,020,000 | 2,623,000 |
| Provision for loan losses | 84,000 | 140,000 | 224,000 | 224,000 |
| Pretax income | 122,000 | 425,000 | 582,000 | 807,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 122,000 | 425,000 | 582,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,537,000 | 10,839,000 | 10,997,000 | 11,223,000 |
| Total capital | 11,371,000 | 11,705,000 | 11,861,000 | 12,069,000 |
| Risk-weighted assets | 66,536,000 | 68,336,000 | 68,556,000 | 67,518,000 |
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