Call reports 2013
LIBERTY BANK AND TRUST COMPANY — 2013
What LIBERTY BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 579,377,000 | 556,023,000 | 562,046,000 | 547,984,000 |
| Total loans | 282,408,000 | 275,506,000 | 267,253,000 | 281,759,000 |
| Allowance for loan losses | 4,344,000 | 4,672,000 | 4,929,000 | 9,375,000 |
| Securities available for sale | 237,744,000 | 236,734,000 | 210,547,000 | 227,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 157,000 | 121,000 | 25,186,000 | 0 |
| Total deposits | 524,822,000 | 476,907,000 | 461,928,000 | 451,293,000 |
| Interest-bearing deposits | 401,230,000 | 378,249,000 | 365,948,000 | 347,932,000 |
| Noninterest-bearing deposits | 123,592,000 | 98,658,000 | 95,980,000 | 103,361,000 |
| Equity capital | 44,277,000 | 41,047,000 | 41,057,000 | 40,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,682,000 | 11,776,000 | 18,104,000 | 24,630,000 |
| Interest expense | 761,000 | 1,563,000 | 2,328,000 | 2,894,000 |
| Net interest income | 4,921,000 | 10,213,000 | 15,776,000 | 21,736,000 |
| Noninterest income | 1,398,000 | 2,170,000 | 3,108,000 | 18,931,000 |
| Noninterest expense | 4,594,000 | 9,376,000 | 14,741,000 | 22,859,000 |
| Provision for loan losses | 400,000 | 1,040,000 | 1,415,000 | 8,753,000 |
| Pretax income | 1,664,000 | 2,306,000 | 3,093,000 | 9,577,000 |
| Income tax | 0 | 0 | 0 | 3,770,000 |
| Net income | 1,664,000 | 2,306,000 | 3,093,000 | 5,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,512,000 | 41,600,000 | 42,201,000 | 43,848,000 |
| Total capital | 45,541,000 | 45,321,000 | 46,181,000 | 47,920,000 |
| Risk-weighted assets | 322,607,000 | 296,731,000 | 317,448,000 | 320,458,000 |