Call reports 2012
LIBERTY BANK, INC. — 2012
What LIBERTY BANK, INC. 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 | 11,507,000 | 11,280,000 | 11,091,000 | 10,505,000 |
| Total loans | 7,198,000 | 6,535,000 | 6,186,000 | 6,163,000 |
| Allowance for loan losses | 438,000 | 381,000 | 257,000 | 277,000 |
| Securities available for sale | 0 | 794,000 | 766,000 | 742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,970,000 | 9,822,000 | 9,692,000 | 9,208,000 |
| Interest-bearing deposits | 9,764,000 | 9,593,000 | 9,494,000 | 8,821,000 |
| Noninterest-bearing deposits | 206,000 | 229,000 | 198,000 | 387,000 |
| Equity capital | 1,476,000 | 1,394,000 | 1,319,000 | 1,255,000 |
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 | 112,000 | 219,000 | 331,000 | 439,000 |
| Interest expense | 27,000 | 52,000 | 74,000 | 95,000 |
| Net interest income | 85,000 | 167,000 | 257,000 | 344,000 |
| Noninterest income | 7,000 | 28,000 | 57,000 | 87,000 |
| Noninterest expense | 178,000 | 356,000 | 548,000 | 725,000 |
| Provision for loan losses | 8,000 | 13,000 | 13,000 | 18,000 |
| Pretax income | -94,000 | -174,000 | -247,000 | -312,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -94,000 | -174,000 | -247,000 | -312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,476,000 | 1,394,000 | 1,323,000 | 1,258,000 |
| Total capital | 1,564,000 | 1,474,000 | 1,426,000 | 1,363,000 |
| Risk-weighted assets | 8,810,000 | 8,010,000 | 7,966,000 | 7,837,000 |