Call reports 2011
LIBERTY TRUST & SAVINGS BANK — 2011
What LIBERTY TRUST & SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 124,262,000 | 125,324,000 | 125,030,000 | 135,131,000 |
| Total loans | 60,834,000 | 58,938,000 | 57,766,000 | 62,462,000 |
| Allowance for loan losses | 903,000 | 944,000 | 982,000 | 1,015,000 |
| Securities available for sale | 49,444,000 | 53,291,000 | 50,615,000 | 64,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,645,000 | 102,430,000 | 100,643,000 | 104,622,000 |
| Interest-bearing deposits | 86,781,000 | 87,079,000 | 84,115,000 | 86,494,000 |
| Noninterest-bearing deposits | 15,864,000 | 15,351,000 | 16,528,000 | 18,128,000 |
| Equity capital | 20,254,000 | 21,279,000 | 22,447,000 | 22,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,352,000 | 2,692,000 | 4,030,000 | 5,360,000 |
| Interest expense | 278,000 | 554,000 | 812,000 | 1,053,000 |
| Net interest income | 1,074,000 | 2,138,000 | 3,218,000 | 4,307,000 |
| Noninterest income | 122,000 | 250,000 | 388,000 | 525,000 |
| Noninterest expense | 648,000 | 1,280,000 | 1,927,000 | 2,646,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 518,000 | 1,049,000 | 1,590,000 | 2,067,000 |
| Income tax | 108,000 | 223,000 | 342,000 | 429,000 |
| Net income | 410,000 | 826,000 | 1,248,000 | 1,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,007,000 | 20,423,000 | 20,678,000 | 20,814,000 |
| Total capital | 20,901,000 | 21,297,000 | 21,536,000 | 21,746,000 |
| Risk-weighted assets | 71,503,000 | 69,835,000 | 68,546,000 | 74,509,000 |