Call reports 2013
LIBERTY BANK — 2013
What LIBERTY 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 | 289,338,000 | 284,979,000 | 291,172,000 | 289,533,000 |
| Total loans | 150,488,000 | 150,867,000 | 156,159,000 | 160,028,000 |
| Allowance for loan losses | 2,437,000 | 2,497,000 | 2,342,000 | 2,295,000 |
| Securities available for sale | 108,118,000 | 105,077,000 | 105,883,000 | 98,198,000 |
| Securities held to maturity | 2,800,000 | 2,800,000 | 2,800,000 | 2,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,696,000 | 236,300,000 | 244,127,000 | 237,513,000 |
| Interest-bearing deposits | 213,152,000 | 204,816,000 | 211,685,000 | 205,158,000 |
| Noninterest-bearing deposits | 27,544,000 | 31,484,000 | 32,442,000 | 32,355,000 |
| Equity capital | 36,803,000 | 36,033,000 | 34,821,000 | 34,864,000 |
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 | 2,761,000 | 5,567,000 | 8,364,000 | 11,178,000 |
| Interest expense | 407,000 | 801,000 | 1,175,000 | 1,516,000 |
| Net interest income | 2,354,000 | 4,766,000 | 7,189,000 | 9,662,000 |
| Noninterest income | 532,000 | 1,076,000 | 1,592,000 | 2,095,000 |
| Noninterest expense | 1,969,000 | 3,967,000 | 5,974,000 | 7,923,000 |
| Provision for loan losses | 195,000 | 343,000 | 433,000 | 523,000 |
| Pretax income | 838,000 | 1,648,000 | 2,490,000 | 3,448,000 |
| Income tax | 214,000 | 411,000 | 622,000 | 879,000 |
| Net income | 624,000 | 1,237,000 | 1,868,000 | 2,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,491,000 | 30,084,000 | 29,221,000 | 29,579,000 |
| Total capital | 31,692,000 | 32,245,000 | 31,427,000 | 31,836,000 |
| Risk-weighted assets | 175,840,000 | 172,564,000 | 176,344,000 | 180,506,000 |