Call reports 2013
LIBERTY STATE BANK — 2013
What 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 | 68,912,000 | 69,609,000 | 73,187,000 | 77,117,000 |
| Total loans | 36,384,000 | 39,346,000 | 41,194,000 | 39,467,000 |
| Allowance for loan losses | 373,000 | 383,000 | 388,000 | 400,000 |
| Securities available for sale | 25,571,000 | 25,973,000 | 23,871,000 | 30,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,598,000 | 60,900,000 | 66,020,000 | 69,813,000 |
| Interest-bearing deposits | 49,463,000 | 48,794,000 | 51,552,000 | 54,947,000 |
| Noninterest-bearing deposits | 12,135,000 | 12,106,000 | 14,468,000 | 14,866,000 |
| Equity capital | 6,188,000 | 5,634,000 | 6,089,000 | 6,368,000 |
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 | 647,000 | 1,358,000 | 2,092,000 | 2,801,000 |
| Interest expense | 50,000 | 97,000 | 143,000 | 188,000 |
| Net interest income | 597,000 | 1,261,000 | 1,949,000 | 2,613,000 |
| Noninterest income | 23,000 | 48,000 | 75,000 | 120,000 |
| Noninterest expense | 260,000 | 486,000 | 742,000 | 1,018,000 |
| Provision for loan losses | 6,000 | 12,000 | 17,000 | 33,000 |
| Pretax income | 354,000 | 811,000 | 1,265,000 | 1,682,000 |
| Income tax | 22,000 | 14,000 | 14,000 | 14,000 |
| Net income | 332,000 | 797,000 | 1,251,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,619,000 | 5,764,000 | 6,958,000 | 7,290,000 |
| Total capital | 5,992,000 | 6,147,000 | 7,346,000 | 7,690,000 |
| Risk-weighted assets | 42,293,000 | 44,572,000 | 47,714,000 | 47,250,000 |