Call reports 2010
LIBERTY BANK, INC. — 2010
What LIBERTY BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 15,070,000 | 13,851,000 | 13,396,000 | 12,461,000 |
| Total loans | 10,884,000 | 10,649,000 | 9,687,000 | 9,030,000 |
| Allowance for loan losses | 248,000 | 289,000 | 220,000 | 316,000 |
| Securities available for sale | 1,021,000 | 19,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,864,000 | 11,769,000 | 11,495,000 | 10,843,000 |
| Interest-bearing deposits | 12,284,000 | 11,268,000 | 11,061,000 | 10,435,000 |
| Noninterest-bearing deposits | 580,000 | 501,000 | 434,000 | 408,000 |
| Equity capital | 1,375,000 | 1,248,000 | 1,095,000 | 838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 193,000 | 364,000 | 524,000 | 674,000 |
| Interest expense | 57,000 | 108,000 | 157,000 | 202,000 |
| Net interest income | 136,000 | 256,000 | 367,000 | 472,000 |
| Noninterest income | 20,000 | -44,000 | -85,000 | -119,000 |
| Noninterest expense | 489,000 | 633,000 | 804,000 | 997,000 |
| Provision for loan losses | 71,000 | 113,000 | 153,000 | 287,000 |
| Pretax income | -404,000 | -524,000 | -665,000 | -921,000 |
| Income tax | 0 | 0 | 11,000 | 11,000 |
| Net income | -404,000 | -524,000 | -676,000 | -932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,367,000 | 1,247,000 | 1,095,000 | 838,000 |
| Total capital | 1,480,000 | 1,351,000 | 1,188,000 | 930,000 |
| Risk-weighted assets | 8,888,000 | 8,166,000 | 7,353,000 | 7,151,000 |
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