Call reports 2012
LIBERTY BANK — 2012
What LIBERTY 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 | 79,272,000 | 79,304,000 | 80,603,000 | 83,511,000 |
| Total loans | 49,518,000 | 49,635,000 | 48,983,000 | 49,191,000 |
| Allowance for loan losses | 483,000 | 490,000 | 466,000 | 464,000 |
| Securities available for sale | 21,025,000 | 20,003,000 | 20,337,000 | 20,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,459,000 | 71,308,000 | 72,324,000 | 75,191,000 |
| Interest-bearing deposits | 62,755,000 | 63,837,000 | 64,575,000 | 66,402,000 |
| Noninterest-bearing deposits | 8,704,000 | 7,471,000 | 7,749,000 | 8,789,000 |
| Equity capital | 6,989,000 | 7,293,000 | 7,555,000 | 7,516,000 |
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 | 910,000 | 1,839,000 | 2,701,000 | 3,573,000 |
| Interest expense | 172,000 | 335,000 | 494,000 | 645,000 |
| Net interest income | 738,000 | 1,504,000 | 2,207,000 | 2,928,000 |
| Noninterest income | 115,000 | 231,000 | 345,000 | 533,000 |
| Noninterest expense | 433,000 | 890,000 | 1,351,000 | 2,061,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 414,000 | 833,000 | 1,183,000 | 1,388,000 |
| Income tax | 144,000 | 294,000 | 410,000 | 472,000 |
| Net income | 270,000 | 539,000 | 773,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,566,000 | 6,812,000 | 7,022,000 | 7,119,000 |
| Total capital | 7,049,000 | 7,302,000 | 7,488,000 | 7,583,000 |
| Risk-weighted assets | 52,633,000 | 53,408,000 | 53,047,000 | 53,751,000 |