Call reports 2011
LIBERTY BANK — 2011
What LIBERTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 105,254,000 | 106,158,000 | 106,895,000 | 104,556,000 |
| Total loans | 41,862,000 | 42,166,000 | 43,006,000 | 42,685,000 |
| Allowance for loan losses | 586,000 | 588,000 | 550,000 | 543,000 |
| Securities available for sale | 36,187,000 | 42,277,000 | 41,211,000 | 41,212,000 |
| Securities held to maturity | 10,021,000 | 9,546,000 | 8,798,000 | 7,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,521,000 | 91,696,000 | 91,792,000 | 90,117,000 |
| Interest-bearing deposits | 76,861,000 | 76,686,000 | 76,363,000 | 74,885,000 |
| Noninterest-bearing deposits | 14,660,000 | 15,010,000 | 15,429,000 | 15,232,000 |
| Equity capital | 13,333,000 | 14,056,000 | 14,617,000 | 14,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,264,000 | 2,515,000 | 3,774,000 | 5,028,000 |
| Interest expense | 244,000 | 477,000 | 682,000 | 865,000 |
| Net interest income | 1,020,000 | 2,038,000 | 3,092,000 | 4,163,000 |
| Noninterest income | 203,000 | 415,000 | 620,000 | 810,000 |
| Noninterest expense | 804,000 | 1,634,000 | 2,428,000 | 3,306,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 407,000 | 807,000 | 1,271,000 | 1,654,000 |
| Income tax | 128,000 | 222,000 | 334,000 | 427,000 |
| Net income | 279,000 | 585,000 | 937,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,360,000 | 13,667,000 | 14,020,000 | 13,609,000 |
| Total capital | 13,946,000 | 14,255,000 | 14,570,000 | 14,152,000 |
| Risk-weighted assets | 61,029,000 | 62,842,000 | 62,019,000 | 63,404,000 |