Call reports 2011
LIBERTY BANK — 2011
What LIBERTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 293,234,000 | 290,820,000 | 285,741,000 | 285,207,000 |
| Total loans | 150,090,000 | 146,600,000 | 143,199,000 | 144,741,000 |
| Allowance for loan losses | 2,925,000 | 2,942,000 | 2,725,000 | 2,606,000 |
| Securities available for sale | 119,423,000 | 119,647,000 | 117,906,000 | 114,691,000 |
| Securities held to maturity | 3,414,000 | 3,328,000 | 3,249,000 | 3,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,537,000 | 236,791,000 | 235,004,000 | 234,101,000 |
| Interest-bearing deposits | 214,116,000 | 206,894,000 | 208,474,000 | 207,924,000 |
| Noninterest-bearing deposits | 32,421,000 | 29,897,000 | 26,530,000 | 26,177,000 |
| Equity capital | 33,266,000 | 34,595,000 | 35,739,000 | 35,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,225,000 | 6,451,000 | 9,528,000 | 12,576,000 |
| Interest expense | 697,000 | 1,364,000 | 1,949,000 | 2,494,000 |
| Net interest income | 2,528,000 | 5,087,000 | 7,579,000 | 10,082,000 |
| Noninterest income | 469,000 | 941,000 | 1,462,000 | 1,984,000 |
| Noninterest expense | 1,986,000 | 3,906,000 | 5,766,000 | 7,638,000 |
| Provision for loan losses | 249,000 | 497,000 | 947,000 | 1,127,000 |
| Pretax income | 845,000 | 1,708,000 | 2,429,000 | 3,402,000 |
| Income tax | 206,000 | 413,000 | 566,000 | 815,000 |
| Net income | 639,000 | 1,295,000 | 1,863,000 | 2,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,353,000 | 26,951,000 | 27,523,000 | 28,015,000 |
| Total capital | 28,622,000 | 29,160,000 | 29,706,000 | 30,222,000 |
| Risk-weighted assets | 180,844,000 | 175,993,000 | 174,100,000 | 176,201,000 |