Call reports 2011
LIBERTY BANK, INC. — 2011
What LIBERTY BANK, INC. 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 | 12,771,000 | 12,055,000 | 11,119,000 | 12,316,000 |
| Total loans | 8,450,000 | 8,151,000 | 7,819,000 | 7,743,000 |
| Allowance for loan losses | 126,000 | 385,000 | 401,000 | 429,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,184,000 | 11,050,000 | 10,215,000 | 10,700,000 |
| Interest-bearing deposits | 10,711,000 | 10,284,000 | 9,979,000 | 10,386,000 |
| Noninterest-bearing deposits | 473,000 | 766,000 | 236,000 | 314,000 |
| Equity capital | 787,000 | 962,000 | 854,000 | 1,570,000 |
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 | 151,000 | 291,000 | 445,000 | 566,000 |
| Interest expense | 40,000 | 71,000 | 100,000 | 130,000 |
| Net interest income | 111,000 | 220,000 | 345,000 | 436,000 |
| Noninterest income | 3,000 | 14,000 | 6,000 | 6,000 |
| Noninterest expense | 156,000 | 341,000 | 534,000 | 782,000 |
| Provision for loan losses | 9,000 | 369,000 | 401,000 | 429,000 |
| Pretax income | -51,000 | -476,000 | -584,000 | -769,000 |
| Income tax | 0 | 0 | 0 | 130,000 |
| Net income | -51,000 | -476,000 | -584,000 | -899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 735,000 | 832,000 | 724,000 | 1,570,000 |
| Total capital | 755,000 | 929,000 | 836,000 | 1,692,000 |
| Risk-weighted assets | 6,810,000 | 7,542,000 | 8,598,000 | 9,458,000 |
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