Call reports 2011
LIBERTY BANK AND TRUST COMPANY — 2011
What LIBERTY BANK AND TRUST COMPANY 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 | 542,607,000 | 556,911,000 | 571,549,000 | 558,009,000 |
| Total loans | 191,805,000 | 191,891,000 | 193,713,000 | 210,249,000 |
| Allowance for loan losses | 4,258,000 | 4,282,000 | 5,078,000 | 4,826,000 |
| Securities available for sale | 234,853,000 | 282,859,000 | 287,105,000 | 278,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,473,000 | 509,594,000 | 522,195,000 | 509,372,000 |
| Interest-bearing deposits | 385,947,000 | 401,449,000 | 416,757,000 | 407,732,000 |
| Noninterest-bearing deposits | 112,526,000 | 108,145,000 | 105,438,000 | 101,640,000 |
| Equity capital | 37,569,000 | 40,212,000 | 41,854,000 | 41,403,000 |
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 | 5,840,000 | 11,558,000 | 17,031,000 | 22,279,000 |
| Interest expense | 1,079,000 | 2,126,000 | 3,063,000 | 4,016,000 |
| Net interest income | 4,761,000 | 9,432,000 | 13,968,000 | 18,263,000 |
| Noninterest income | 691,000 | 1,923,000 | 3,716,000 | 5,789,000 |
| Noninterest expense | 4,523,000 | 9,296,000 | 14,151,000 | 19,235,000 |
| Provision for loan losses | 225,000 | 700,000 | 1,796,000 | 2,021,000 |
| Pretax income | 704,000 | 1,385,000 | 1,894,000 | 3,332,000 |
| Income tax | 0 | 4,000 | 4,000 | 815,000 |
| Net income | 704,000 | 1,381,000 | 1,890,000 | 2,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,584,000 | 36,869,000 | 37,204,000 | 37,328,000 |
| Total capital | 39,504,000 | 40,048,000 | 40,613,000 | 40,781,000 |
| Risk-weighted assets | 248,315,000 | 253,185,000 | 271,039,000 | 274,807,000 |