Call reports 2012
LIBERTY BANK N.A. — 2012
What LIBERTY BANK N.A. 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 | 355,733,000 | 375,121,000 | 380,486,000 | 429,301,000 |
| Total loans | 281,625,000 | 289,384,000 | 303,542,000 | 328,124,000 |
| Allowance for loan losses | 3,877,000 | 4,077,000 | 4,352,000 | 4,452,000 |
| Securities available for sale | 53,560,000 | 57,655,000 | 56,328,000 | 50,988,000 |
| Securities held to maturity | 377,000 | 376,000 | 276,000 | 216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,189,000 | 280,207,000 | 282,044,000 | 332,858,000 |
| Interest-bearing deposits | 252,616,000 | 270,557,000 | 273,608,000 | 318,968,000 |
| Noninterest-bearing deposits | 10,573,000 | 9,650,000 | 8,436,000 | 13,890,000 |
| Equity capital | 82,479,000 | 83,192,000 | 84,742,000 | 85,911,000 |
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 | 4,368,000 | 9,141,000 | 13,586,000 | 18,003,000 |
| Interest expense | 640,000 | 1,249,000 | 1,840,000 | 2,478,000 |
| Net interest income | 3,728,000 | 7,892,000 | 11,746,000 | 15,525,000 |
| Noninterest income | 74,000 | 190,000 | 466,000 | 972,000 |
| Noninterest expense | 2,181,000 | 4,568,000 | 6,932,000 | 9,196,000 |
| Provision for loan losses | 300,000 | 500,000 | 775,000 | 875,000 |
| Pretax income | 1,321,000 | 3,014,000 | 4,505,000 | 6,440,000 |
| Income tax | 463,000 | 1,017,000 | 1,533,000 | 2,204,000 |
| Net income | 858,000 | 1,997,000 | 2,972,000 | 4,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,599,000 | 82,738,000 | 83,713,000 | 84,977,000 |
| Total capital | 85,496,000 | 86,840,000 | 88,090,000 | 89,454,000 |
| Risk-weighted assets | 367,407,000 | 416,676,000 | 416,531,000 | 449,878,000 |