Call reports 2012
WEST LIBERTY STATE BANK — 2012
What WEST LIBERTY STATE 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 | 80,809,000 | 81,978,000 | 81,837,000 | 83,276,000 |
| Total loans | 22,703,000 | 21,311,000 | 20,394,000 | 20,734,000 |
| Allowance for loan losses | 505,000 | 506,000 | 521,000 | 338,000 |
| Securities available for sale | 50,583,000 | 53,566,000 | 54,634,000 | 52,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,617,000 | 65,706,000 | 64,377,000 | 67,323,000 |
| Interest-bearing deposits | 56,167,000 | 57,580,000 | 55,755,000 | 56,319,000 |
| Noninterest-bearing deposits | 8,450,000 | 8,126,000 | 8,622,000 | 11,004,000 |
| Equity capital | 11,743,000 | 11,775,000 | 12,017,000 | 11,483,000 |
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 | 670,000 | 1,331,000 | 1,981,000 | 2,592,000 |
| Interest expense | 181,000 | 365,000 | 543,000 | 709,000 |
| Net interest income | 489,000 | 966,000 | 1,438,000 | 1,883,000 |
| Noninterest income | 56,000 | 111,000 | 163,000 | 121,000 |
| Noninterest expense | 478,000 | 954,000 | 1,446,000 | 2,027,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 143,000 | 199,000 | 292,000 | 260,000 |
| Income tax | 7,000 | 8,000 | 13,000 | 13,000 |
| Net income | 136,000 | 191,000 | 279,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,001,000 | 8,069,000 | 8,172,000 | 8,156,000 |
| Total capital | 8,421,000 | 8,459,000 | 8,543,000 | 8,494,000 |
| Risk-weighted assets | 32,785,000 | 31,179,000 | 31,376,000 | 32,817,000 |
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