Call reports 2011
WEST LIBERTY STATE BANK — 2011
What WEST LIBERTY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 78,884,000 | 81,200,000 | 77,053,000 | 78,987,000 |
| Total loans | 26,564,000 | 25,759,000 | 25,428,000 | 23,444,000 |
| Allowance for loan losses | 659,000 | 681,000 | 661,000 | 660,000 |
| Securities available for sale | 43,035,000 | 46,344,000 | 44,937,000 | 47,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,930,000 | 64,646,000 | 59,485,000 | 62,909,000 |
| Interest-bearing deposits | 55,220,000 | 54,179,000 | 51,957,000 | 53,261,000 |
| Noninterest-bearing deposits | 7,710,000 | 10,467,000 | 7,528,000 | 9,648,000 |
| Equity capital | 11,360,000 | 11,935,000 | 12,073,000 | 11,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 756,000 | 1,553,000 | 2,334,000 | 3,088,000 |
| Interest expense | 195,000 | 394,000 | 590,000 | 779,000 |
| Net interest income | 561,000 | 1,159,000 | 1,744,000 | 2,309,000 |
| Noninterest income | 167,000 | 228,000 | 285,000 | 320,000 |
| Noninterest expense | 502,000 | 1,012,000 | 1,567,000 | 2,009,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 206,000 | 465,000 | 477,000 | 635,000 |
| Income tax | 10,000 | 23,000 | 25,000 | 29,000 |
| Net income | 196,000 | 442,000 | 452,000 | 606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,850,000 | 8,114,000 | 8,142,000 | 7,851,000 |
| Total capital | 8,317,000 | 8,558,000 | 8,575,000 | 8,266,000 |
| Risk-weighted assets | 36,431,000 | 35,211,000 | 34,416,000 | 32,971,000 |
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