Call reports 2010
LIBERTY BANK AND TRUST COMPANY — 2010
What LIBERTY BANK AND TRUST COMPANY 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 | 413,253,000 | 409,932,000 | 438,977,000 | 463,959,000 |
| Total loans | 198,124,000 | 196,745,000 | 199,752,000 | 195,985,000 |
| Allowance for loan losses | 3,444,000 | 3,439,000 | 3,569,000 | 4,087,000 |
| Securities available for sale | 144,390,000 | 135,067,000 | 147,855,000 | 160,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,245,000 | 367,684,000 | 395,926,000 | 422,841,000 |
| Interest-bearing deposits | 269,938,000 | 275,408,000 | 292,288,000 | 320,865,000 |
| Noninterest-bearing deposits | 101,307,000 | 92,276,000 | 103,638,000 | 101,976,000 |
| Equity capital | 34,846,000 | 35,282,000 | 35,758,000 | 32,699,000 |
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 | 5,635,000 | 11,101,000 | 16,721,000 | 21,840,000 |
| Interest expense | 951,000 | 1,915,000 | 2,913,000 | 3,910,000 |
| Net interest income | 4,684,000 | 9,186,000 | 13,808,000 | 17,930,000 |
| Noninterest income | 635,000 | 1,782,000 | 2,642,000 | 6,492,000 |
| Noninterest expense | 4,453,000 | 9,637,000 | 14,805,000 | 22,148,000 |
| Provision for loan losses | 225,000 | 449,000 | 675,000 | 1,405,000 |
| Pretax income | 641,000 | 2,080,000 | 2,307,000 | 2,218,000 |
| Income tax | 0 | 200,000 | 203,000 | 26,000 |
| Net income | 641,000 | 1,880,000 | 2,104,000 | 2,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,394,000 | 33,523,000 | 33,312,000 | 32,990,000 |
| Total capital | 35,274,000 | 36,362,000 | 36,168,000 | 35,910,000 |
| Risk-weighted assets | 230,358,000 | 226,520,000 | 227,784,000 | 232,600,000 |
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