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 | 289,263,000 | 292,203,000 | 293,588,000 | 297,065,000 |
| Total loans | 146,003,000 | 146,269,000 | 148,231,000 | 152,189,000 |
| Allowance for loan losses | 2,797,000 | 2,771,000 | 2,526,000 | 2,522,000 |
| Securities available for sale | 115,801,000 | 116,695,000 | 115,650,000 | 109,873,000 |
| Securities held to maturity | 3,000,000 | 3,000,000 | 3,000,000 | 2,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,988,000 | 242,811,000 | 244,769,000 | 245,603,000 |
| Interest-bearing deposits | 212,425,000 | 212,160,000 | 213,239,000 | 211,364,000 |
| Noninterest-bearing deposits | 27,563,000 | 30,651,000 | 31,530,000 | 34,239,000 |
| Equity capital | 36,457,000 | 37,250,000 | 36,546,000 | 36,460,000 |
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 | 2,956,000 | 5,865,000 | 8,775,000 | 11,650,000 |
| Interest expense | 508,000 | 1,000,000 | 1,460,000 | 1,895,000 |
| Net interest income | 2,448,000 | 4,865,000 | 7,315,000 | 9,755,000 |
| Noninterest income | 475,000 | 975,000 | 1,448,000 | 1,998,000 |
| Noninterest expense | 1,804,000 | 3,655,000 | 5,620,000 | 7,545,000 |
| Provision for loan losses | 225,000 | 450,000 | 585,000 | 843,000 |
| Pretax income | 895,000 | 1,736,000 | 2,570,000 | 3,381,000 |
| Income tax | 234,000 | 447,000 | 651,000 | 845,000 |
| Net income | 661,000 | 1,289,000 | 1,919,000 | 2,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,681,000 | 29,315,000 | 28,444,000 | 28,835,000 |
| Total capital | 30,893,000 | 31,519,000 | 30,652,000 | 30,966,000 |
| Risk-weighted assets | 176,341,000 | 175,772,000 | 176,283,000 | 177,344,000 |