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 | 106,504,000 | 106,715,000 | 105,347,000 | 104,236,000 |
| Total loans | 44,831,000 | 45,006,000 | 46,423,000 | 47,226,000 |
| Allowance for loan losses | 486,000 | 474,000 | 482,000 | 457,000 |
| Securities available for sale | 43,960,000 | 42,527,000 | 40,800,000 | 40,855,000 |
| Securities held to maturity | 4,896,000 | 4,661,000 | 4,490,000 | 3,868,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,798,000 | 91,410,000 | 90,854,000 | 89,915,000 |
| Interest-bearing deposits | 75,328,000 | 75,512,000 | 74,760,000 | 74,398,000 |
| Noninterest-bearing deposits | 15,470,000 | 15,898,000 | 16,094,000 | 15,518,000 |
| Equity capital | 14,995,000 | 14,790,000 | 14,196,000 | 14,120,000 |
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 | 1,115,000 | 2,298,000 | 3,545,000 | 4,769,000 |
| Interest expense | 126,000 | 249,000 | 360,000 | 463,000 |
| Net interest income | 989,000 | 2,049,000 | 3,185,000 | 4,306,000 |
| Noninterest income | 147,000 | 311,000 | 481,000 | 641,000 |
| Noninterest expense | 875,000 | 1,791,000 | 2,757,000 | 3,617,000 |
| Provision for loan losses | 25,000 | 25,000 | 50,000 | 80,000 |
| Pretax income | 288,000 | 596,000 | 911,000 | 1,302,000 |
| Income tax | 114,000 | 118,000 | 209,000 | 282,000 |
| Net income | 174,000 | 478,000 | 702,000 | 1,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,974,000 | 14,108,000 | 14,332,000 | 14,130,000 |
| Total capital | 14,460,000 | 14,582,000 | 14,814,000 | 14,587,000 |
| Risk-weighted assets | 66,977,000 | 67,227,000 | 68,090,000 | 68,563,000 |