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 | 54,511,000 | 55,237,000 | 54,582,000 | 53,933,000 |
| Total loans | 35,758,000 | 36,067,000 | 34,683,000 | 34,519,000 |
| Allowance for loan losses | 122,000 | 89,000 | 117,000 | 122,000 |
| Securities available for sale | 2,737,000 | 4,344,000 | 4,719,000 | 6,894,000 |
| Securities held to maturity | 793,000 | 681,000 | 611,000 | 571,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,323,000 | 48,110,000 | 47,408,000 | 46,755,000 |
| Interest-bearing deposits | 40,634,000 | 40,837,000 | 40,433,000 | 39,746,000 |
| Noninterest-bearing deposits | 6,689,000 | 7,273,000 | 6,975,000 | 7,009,000 |
| Equity capital | 6,848,000 | 6,787,000 | 6,737,000 | 6,729,000 |
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 | 547,000 | 1,098,000 | 1,642,000 | 2,174,000 |
| Interest expense | 95,000 | 189,000 | 281,000 | 367,000 |
| Net interest income | 452,000 | 909,000 | 1,361,000 | 1,807,000 |
| Noninterest income | 39,000 | 74,000 | 137,000 | 190,000 |
| Noninterest expense | 439,000 | 873,000 | 1,322,000 | 1,766,000 |
| Provision for loan losses | 0 | 3,000 | 31,000 | 36,000 |
| Pretax income | 52,000 | 107,000 | 145,000 | 195,000 |
| Income tax | 12,000 | 24,000 | 35,000 | 50,000 |
| Net income | 40,000 | 83,000 | 110,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,784,000 | 6,827,000 | 6,781,000 | 6,817,000 |
| Total capital | 6,906,000 | 6,916,000 | 6,898,000 | 6,939,000 |
| Risk-weighted assets | 28,292,000 | 28,605,000 | 27,771,000 | 27,224,000 |