Call reports 2012
LIBERTY BANK — 2012
What LIBERTY BANK 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 | 54,508,000 | 54,696,000 | 54,370,000 | 54,108,000 |
| Total loans | 35,340,000 | 35,474,000 | 35,062,000 | 35,579,000 |
| Allowance for loan losses | 145,000 | 134,000 | 125,000 | 122,000 |
| Securities available for sale | 4,395,000 | 4,153,000 | 2,893,000 | 2,623,000 |
| Securities held to maturity | 1,634,000 | 1,471,000 | 1,060,000 | 897,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,461,000 | 47,563,000 | 47,163,000 | 46,876,000 |
| Interest-bearing deposits | 41,191,000 | 41,392,000 | 40,779,000 | 40,404,000 |
| Noninterest-bearing deposits | 6,270,000 | 6,171,000 | 6,384,000 | 6,472,000 |
| Equity capital | 6,729,000 | 6,795,000 | 6,810,000 | 6,817,000 |
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 | 568,000 | 1,150,000 | 1,706,000 | 2,258,000 |
| Interest expense | 108,000 | 215,000 | 319,000 | 420,000 |
| Net interest income | 460,000 | 935,000 | 1,387,000 | 1,838,000 |
| Noninterest income | 40,000 | 76,000 | 112,000 | 162,000 |
| Noninterest expense | 442,000 | 879,000 | 1,309,000 | 1,755,000 |
| Provision for loan losses | 3,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 55,000 | 128,000 | 186,000 | 241,000 |
| Income tax | 10,000 | 26,000 | 39,000 | 68,000 |
| Net income | 45,000 | 102,000 | 147,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,631,000 | 6,690,000 | 6,718,000 | 6,744,000 |
| Total capital | 6,776,000 | 6,824,000 | 6,843,000 | 6,866,000 |
| Risk-weighted assets | 28,158,000 | 28,049,000 | 27,691,000 | 28,289,000 |