Call reports 2012
LIBERTY BANK AND TRUST COMPANY — 2012
What LIBERTY BANK AND TRUST COMPANY 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 | 565,817,000 | 540,734,000 | 545,019,000 | 535,765,000 |
| Total loans | 224,585,000 | 230,114,000 | 238,748,000 | 254,317,000 |
| Allowance for loan losses | 4,875,000 | 4,489,000 | 4,507,000 | 4,167,000 |
| Securities available for sale | 286,595,000 | 269,405,000 | 227,025,000 | 230,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,553,000 | 465,409,000 | 493,828,000 | 483,774,000 |
| Interest-bearing deposits | 381,658,000 | 367,439,000 | 368,732,000 | 363,445,000 |
| Noninterest-bearing deposits | 93,895,000 | 97,970,000 | 125,096,000 | 120,329,000 |
| Equity capital | 41,988,000 | 42,972,000 | 43,599,000 | 43,493,000 |
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 | 5,534,000 | 11,183,000 | 16,981,000 | 22,421,000 |
| Interest expense | 869,000 | 1,702,000 | 2,485,000 | 3,241,000 |
| Net interest income | 4,665,000 | 9,481,000 | 14,496,000 | 19,180,000 |
| Noninterest income | 720,000 | 1,369,000 | 2,036,000 | 5,896,000 |
| Noninterest expense | 4,459,000 | 8,928,000 | 13,869,000 | 20,077,000 |
| Provision for loan losses | 300,000 | 565,000 | 865,000 | 1,165,000 |
| Pretax income | 666,000 | 1,416,000 | 2,924,000 | 5,065,000 |
| Income tax | 0 | 0 | 300,000 | 1,228,000 |
| Net income | 666,000 | 1,416,000 | 2,624,000 | 3,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,818,000 | 38,292,000 | 39,368,000 | 40,047,000 |
| Total capital | 41,449,000 | 41,829,000 | 42,787,000 | 43,620,000 |
| Risk-weighted assets | 289,208,000 | 281,858,000 | 272,444,000 | 284,718,000 |