Call reports 2013
WEST LIBERTY STATE BANK — 2013
What WEST LIBERTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 82,809,000 | 85,972,000 | 82,399,000 | 81,391,000 |
| Total loans | 20,055,000 | 20,779,000 | 21,503,000 | 22,427,000 |
| Allowance for loan losses | 339,000 | 339,000 | 340,000 | 228,000 |
| Securities available for sale | 53,759,000 | 56,212,000 | 54,072,000 | 52,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,111,000 | 71,547,000 | 65,340,000 | 66,914,000 |
| Interest-bearing deposits | 57,983,000 | 59,337,000 | 56,102,000 | 56,675,000 |
| Noninterest-bearing deposits | 9,128,000 | 12,210,000 | 9,238,000 | 10,239,000 |
| Equity capital | 11,336,000 | 10,067,000 | 9,868,000 | 9,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 592,000 | 1,171,000 | 1,751,000 | 2,377,000 |
| Interest expense | 158,000 | 313,000 | 469,000 | 618,000 |
| Net interest income | 434,000 | 858,000 | 1,282,000 | 1,759,000 |
| Noninterest income | 54,000 | 117,000 | 185,000 | 202,000 |
| Noninterest expense | 486,000 | 938,000 | 1,385,000 | 1,824,000 |
| Provision for loan losses | 0 | 0 | 0 | 140,000 |
| Pretax income | 2,000 | 60,000 | 116,000 | 31,000 |
| Income tax | 0 | 3,000 | 5,000 | 1,000 |
| Net income | 2,000 | 57,000 | 111,000 | 30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,212,000 | 8,256,000 | 8,351,000 | 8,326,000 |
| Total capital | 8,551,000 | 8,596,000 | 8,691,000 | 8,554,000 |
| Risk-weighted assets | 32,269,000 | 31,652,000 | 31,572,000 | 32,275,000 |
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