Call reports 2010
LIBERTY TRUST & SAVINGS BANK — 2010
What LIBERTY TRUST & SAVINGS BANK 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 | 117,897,000 | 119,597,000 | 120,168,000 | 121,232,000 |
| Total loans | 56,728,000 | 58,742,000 | 58,765,000 | 61,230,000 |
| Allowance for loan losses | 1,175,000 | 1,224,000 | 742,000 | 864,000 |
| Securities available for sale | 53,957,000 | 49,837,000 | 47,958,000 | 48,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,859,000 | 98,975,000 | 97,787,000 | 100,219,000 |
| Interest-bearing deposits | 84,861,000 | 85,825,000 | 83,732,000 | 85,412,000 |
| Noninterest-bearing deposits | 12,998,000 | 13,150,000 | 14,055,000 | 14,807,000 |
| Equity capital | 19,256,000 | 19,859,000 | 20,872,000 | 19,743,000 |
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 | 1,418,000 | 2,831,000 | 4,189,000 | 5,538,000 |
| Interest expense | 349,000 | 686,000 | 1,003,000 | 1,299,000 |
| Net interest income | 1,069,000 | 2,145,000 | 3,186,000 | 4,239,000 |
| Noninterest income | 117,000 | 250,000 | 387,000 | 521,000 |
| Noninterest expense | 653,000 | 1,284,000 | 1,911,000 | 2,626,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 350,000 |
| Pretax income | 533,000 | 1,068,000 | 1,628,000 | 2,135,000 |
| Income tax | 114,000 | 231,000 | 378,000 | 460,000 |
| Net income | 419,000 | 837,000 | 1,250,000 | 1,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,666,000 | 19,085,000 | 19,338,000 | 19,764,000 |
| Total capital | 19,513,000 | 19,946,000 | 20,080,000 | 20,628,000 |
| Risk-weighted assets | 67,390,000 | 68,510,000 | 68,544,000 | 71,839,000 |