Call reports 2010
WEST LIBERTY STATE BANK — 2010
What WEST LIBERTY STATE 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 | 80,680,000 | 80,924,000 | 73,281,000 | 77,592,000 |
| Total loans | 29,579,000 | 28,198,000 | 28,056,000 | 27,270,000 |
| Allowance for loan losses | 1,150,000 | 798,000 | 798,000 | 798,000 |
| Securities available for sale | 40,230,000 | 41,823,000 | 37,075,000 | 40,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,687,000 | 64,446,000 | 56,576,000 | 61,816,000 |
| Interest-bearing deposits | 56,776,000 | 56,030,000 | 50,095,000 | 52,802,000 |
| Noninterest-bearing deposits | 5,911,000 | 8,416,000 | 6,481,000 | 9,014,000 |
| Equity capital | 10,711,000 | 11,261,000 | 11,517,000 | 11,167,000 |
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 | 903,000 | 1,786,000 | 2,606,000 | 3,373,000 |
| Interest expense | 339,000 | 619,000 | 878,000 | 1,112,000 |
| Net interest income | 564,000 | 1,167,000 | 1,728,000 | 2,261,000 |
| Noninterest income | -70,000 | 40,000 | 146,000 | 99,000 |
| Noninterest expense | 504,000 | 1,020,000 | 1,524,000 | 1,966,000 |
| Provision for loan losses | -150,000 | -150,000 | -150,000 | -150,000 |
| Pretax income | 289,000 | 516,000 | 715,000 | 747,000 |
| Income tax | 13,000 | 23,000 | 32,000 | 32,000 |
| Net income | 276,000 | 493,000 | 683,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,109,000 | 7,379,000 | 7,584,000 | 7,635,000 |
| Total capital | 7,623,000 | 7,879,000 | 8,054,000 | 8,118,000 |
| Risk-weighted assets | 40,541,000 | 38,958,000 | 37,414,000 | 37,550,000 |
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