Call reports 2013
LIBERTY BANK — 2013
What LIBERTY 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 | 328,113,000 | 323,774,000 | 333,334,000 | 341,128,000 |
| Total loans | 226,093,000 | 238,096,000 | 247,243,000 | 259,714,000 |
| Allowance for loan losses | 3,318,000 | 3,488,000 | 3,537,000 | 3,625,000 |
| Securities available for sale | 44,831,000 | 38,328,000 | 47,914,000 | 46,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,037,000 | 278,167,000 | 287,597,000 | 289,970,000 |
| Interest-bearing deposits | 210,548,000 | 207,418,000 | 209,008,000 | 213,715,000 |
| Noninterest-bearing deposits | 71,489,000 | 70,749,000 | 78,590,000 | 76,255,000 |
| Equity capital | 44,175,000 | 43,790,000 | 43,907,000 | 44,401,000 |
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 | 3,452,000 | 6,909,000 | 10,419,000 | 14,150,000 |
| Interest expense | 373,000 | 718,000 | 1,049,000 | 1,381,000 |
| Net interest income | 3,079,000 | 6,191,000 | 9,370,000 | 12,769,000 |
| Noninterest income | 301,000 | 620,000 | 1,075,000 | 1,476,000 |
| Noninterest expense | 2,652,000 | 5,264,000 | 7,984,000 | 10,777,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 660,000 |
| Pretax income | 563,000 | 1,647,000 | 2,396,000 | 3,238,000 |
| Income tax | 199,000 | 578,000 | 835,000 | 1,123,000 |
| Net income | 364,000 | 1,069,000 | 1,561,000 | 2,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,375,000 | 29,226,000 | 29,862,000 | 30,561,000 |
| Total capital | 31,159,000 | 32,142,000 | 32,896,000 | 33,748,000 |
| Risk-weighted assets | 222,243,000 | 234,024,000 | 243,691,000 | 255,346,000 |
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