Call reports 2013
LIBERTY BANK — 2013
What LIBERTY BANK 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 | 3,602,171,000 | 3,607,550,000 | 3,525,967,000 | 3,589,602,000 |
| Total loans | 2,349,908,000 | 2,512,868,000 | 2,520,641,000 | 2,670,881,000 |
| Allowance for loan losses | 39,022,000 | 40,377,000 | 40,212,000 | 38,208,000 |
| Securities available for sale | 717,298,000 | 721,079,000 | 721,445,000 | 715,101,000 |
| Securities held to maturity | 1,950,000 | 4,400,000 | 1,950,000 | 1,950,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,900,560,000 | 2,887,937,000 | 2,811,356,000 | 2,786,929,000 |
| Interest-bearing deposits | 2,362,064,000 | 2,284,736,000 | 2,239,930,000 | 2,192,135,000 |
| Noninterest-bearing deposits | 538,496,000 | 603,201,000 | 571,426,000 | 594,794,000 |
| Equity capital | 529,395,000 | 536,637,000 | 547,966,000 | 576,747,000 |
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 | 34,340,000 | 68,203,000 | 99,478,000 | 132,533,000 |
| Interest expense | 4,417,000 | 8,373,000 | 11,963,000 | 15,172,000 |
| Net interest income | 29,923,000 | 59,830,000 | 87,515,000 | 117,361,000 |
| Noninterest income | 6,685,000 | 13,333,000 | 19,683,000 | 26,199,000 |
| Noninterest expense | 26,037,000 | 51,897,000 | 80,621,000 | 107,750,000 |
| Provision for loan losses | 1,625,000 | 3,250,000 | 3,250,000 | 2,250,000 |
| Pretax income | 10,669,000 | 21,651,000 | 29,792,000 | 45,772,000 |
| Income tax | 3,559,000 | 7,223,000 | 9,730,000 | 15,535,000 |
| Net income | 7,110,000 | 14,428,000 | 20,062,000 | 30,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 519,353,000 | 521,123,000 | 530,048,000 | 540,254,000 |
| Total capital | 569,543,000 | 574,614,000 | 588,916,000 | 604,113,000 |
| Risk-weighted assets | 2,716,700,000 | 2,914,576,000 | 2,934,879,000 | 3,064,153,000 |