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 | 107,013,000 | 107,479,000 | 108,036,000 | 106,767,000 |
| Total loans | 41,806,000 | 40,509,000 | 40,893,000 | 44,308,000 |
| Allowance for loan losses | 526,000 | 514,000 | 530,000 | 483,000 |
| Securities available for sale | 44,830,000 | 41,235,000 | 43,031,000 | 44,790,000 |
| Securities held to maturity | 7,352,000 | 7,001,000 | 6,634,000 | 5,092,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,988,000 | 91,788,000 | 92,008,000 | 90,916,000 |
| Interest-bearing deposits | 76,285,000 | 75,506,000 | 76,192,000 | 75,150,000 |
| Noninterest-bearing deposits | 15,703,000 | 16,282,000 | 15,816,000 | 15,766,000 |
| Equity capital | 14,557,000 | 15,120,000 | 15,313,000 | 15,011,000 |
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 | 1,252,000 | 2,439,000 | 3,568,000 | 4,723,000 |
| Interest expense | 173,000 | 339,000 | 488,000 | 628,000 |
| Net interest income | 1,079,000 | 2,100,000 | 3,080,000 | 4,095,000 |
| Noninterest income | 182,000 | 370,000 | 570,000 | 749,000 |
| Noninterest expense | 767,000 | 1,589,000 | 2,366,000 | 3,269,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 170,000 |
| Pretax income | 494,000 | 907,000 | 1,300,000 | 1,441,000 |
| Income tax | 112,000 | 243,000 | 362,000 | 349,000 |
| Net income | 382,000 | 664,000 | 938,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,991,000 | 14,272,000 | 14,246,000 | 13,800,000 |
| Total capital | 14,517,000 | 14,786,000 | 14,776,000 | 14,283,000 |
| Risk-weighted assets | 67,318,000 | 65,187,000 | 64,882,000 | 67,396,000 |