Call reports 2010
LIBERTY BANK N.A. — 2010
What LIBERTY BANK N.A. 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 | 293,271,000 | 296,634,000 | 321,973,000 | 322,682,000 |
| Total loans | 182,680,000 | 186,601,000 | 216,403,000 | 254,161,000 |
| Allowance for loan losses | 2,899,000 | 2,873,000 | 3,163,000 | 3,536,000 |
| Securities available for sale | 54,775,000 | 54,922,000 | 50,136,000 | 38,724,000 |
| Securities held to maturity | 1,064,000 | 762,000 | 606,000 | 606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,184,000 | 207,779,000 | 223,608,000 | 227,365,000 |
| Interest-bearing deposits | 203,916,000 | 204,978,000 | 219,780,000 | 223,453,000 |
| Noninterest-bearing deposits | 2,268,000 | 2,801,000 | 3,828,000 | 3,912,000 |
| Equity capital | 72,075,000 | 73,501,000 | 75,019,000 | 76,217,000 |
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 | 3,987,000 | 7,538,000 | 11,417,000 | 15,791,000 |
| Interest expense | 1,094,000 | 2,037,000 | 2,960,000 | 3,825,000 |
| Net interest income | 2,893,000 | 5,501,000 | 8,457,000 | 11,966,000 |
| Noninterest income | 91,000 | 401,000 | 507,000 | 571,000 |
| Noninterest expense | 837,000 | 1,837,000 | 2,841,000 | 3,873,000 |
| Provision for loan losses | 0 | 0 | 275,000 | 625,000 |
| Pretax income | 2,147,000 | 4,065,000 | 6,001,000 | 9,386,000 |
| Income tax | 754,000 | 1,427,000 | 2,107,000 | 3,294,000 |
| Net income | 1,393,000 | 2,638,000 | 3,894,000 | 6,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,255,000 | 71,500,000 | 72,756,000 | 74,954,000 |
| Total capital | 73,174,000 | 74,393,000 | 75,939,000 | 78,510,000 |
| Risk-weighted assets | 269,783,000 | 304,908,000 | 331,803,000 | 340,771,000 |