Call reports 2010
LIBERTY BANK — 2010
What LIBERTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 102,591,000 | 102,394,000 | 103,677,000 | 102,237,000 |
| Total loans | 42,617,000 | 42,955,000 | 42,469,000 | 42,214,000 |
| Allowance for loan losses | 489,000 | 551,000 | 587,000 | 605,000 |
| Securities available for sale | 34,167,000 | 38,526,000 | 34,057,000 | 33,235,000 |
| Securities held to maturity | 7,116,000 | 6,673,000 | 6,046,000 | 11,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,298,000 | 88,376,000 | 88,998,000 | 89,159,000 |
| Interest-bearing deposits | 75,210,000 | 75,121,000 | 76,435,000 | 74,105,000 |
| Noninterest-bearing deposits | 14,088,000 | 13,255,000 | 12,563,000 | 15,054,000 |
| Equity capital | 12,965,000 | 13,567,000 | 14,059,000 | 12,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,318,000 | 2,707,000 | 4,065,000 | 5,352,000 |
| Interest expense | 337,000 | 668,000 | 981,000 | 1,256,000 |
| Net interest income | 981,000 | 2,039,000 | 3,084,000 | 4,096,000 |
| Noninterest income | 191,000 | 396,000 | 596,000 | 811,000 |
| Noninterest expense | 774,000 | 1,567,000 | 2,363,000 | 3,227,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 220,000 |
| Pretax income | 338,000 | 831,000 | 1,239,000 | 1,542,000 |
| Income tax | 134,000 | 270,000 | 405,000 | 470,000 |
| Net income | 204,000 | 561,000 | 834,000 | 1,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,813,000 | 13,171,000 | 13,443,000 | 13,081,000 |
| Total capital | 13,302,000 | 13,722,000 | 14,030,000 | 13,686,000 |
| Risk-weighted assets | 56,445,000 | 56,263,000 | 58,020,000 | 60,197,000 |