Call reports 2012
LIBERTY STATE BANK — 2012
What 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 | 57,410,000 | 60,759,000 | 62,156,000 | 65,029,000 |
| Total loans | 31,380,000 | 35,481,000 | 37,738,000 | 36,539,000 |
| Allowance for loan losses | 363,000 | 365,000 | 360,000 | 377,000 |
| Securities available for sale | 22,214,000 | 20,713,000 | 19,721,000 | 20,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,227,000 | 51,010,000 | 54,195,000 | 57,807,000 |
| Interest-bearing deposits | 38,448,000 | 37,996,000 | 40,642,000 | 44,860,000 |
| Noninterest-bearing deposits | 11,779,000 | 13,014,000 | 13,553,000 | 12,947,000 |
| Equity capital | 5,555,000 | 5,624,000 | 5,774,000 | 6,081,000 |
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 | 616,000 | 1,262,000 | 1,936,000 | 2,633,000 |
| Interest expense | 65,000 | 122,000 | 182,000 | 230,000 |
| Net interest income | 551,000 | 1,140,000 | 1,754,000 | 2,403,000 |
| Noninterest income | 20,000 | 53,000 | 79,000 | 123,000 |
| Noninterest expense | 240,000 | 488,000 | 781,000 | 1,048,000 |
| Provision for loan losses | 3,000 | 14,000 | 0 | 20,000 |
| Pretax income | 328,000 | 691,000 | 1,053,000 | 1,463,000 |
| Income tax | 21,000 | 45,000 | 63,000 | 85,000 |
| Net income | 307,000 | 646,000 | 990,000 | 1,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,926,000 | 4,905,000 | 5,099,000 | 5,337,000 |
| Total capital | 5,289,000 | 5,270,000 | 5,459,000 | 5,714,000 |
| Risk-weighted assets | 35,948,000 | 39,405,000 | 41,444,000 | 41,520,000 |