Call reports 2012
LIBERTY TRUST & SAVINGS BANK — 2012
What LIBERTY TRUST & SAVINGS BANK 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 | 134,088,000 | 136,576,000 | 137,746,000 | 148,166,000 |
| Total loans | 59,867,000 | 57,348,000 | 56,285,000 | 61,970,000 |
| Allowance for loan losses | 1,058,000 | 1,103,000 | 1,146,000 | 1,187,000 |
| Securities available for sale | 62,698,000 | 68,414,000 | 71,508,000 | 75,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,460,000 | 110,663,000 | 111,510,000 | 115,707,000 |
| Interest-bearing deposits | 89,781,000 | 91,712,000 | 91,735,000 | 92,348,000 |
| Noninterest-bearing deposits | 19,679,000 | 18,951,000 | 19,775,000 | 23,359,000 |
| Equity capital | 22,910,000 | 23,762,000 | 24,183,000 | 24,264,000 |
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 | 1,338,000 | 2,642,000 | 3,930,000 | 5,227,000 |
| Interest expense | 227,000 | 444,000 | 644,000 | 834,000 |
| Net interest income | 1,111,000 | 2,198,000 | 3,286,000 | 4,393,000 |
| Noninterest income | 123,000 | 248,000 | 372,000 | 508,000 |
| Noninterest expense | 638,000 | 1,275,000 | 1,914,000 | 2,655,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 566,000 | 1,111,000 | 1,658,000 | 2,130,000 |
| Income tax | 122,000 | 239,000 | 357,000 | 443,000 |
| Net income | 444,000 | 872,000 | 1,301,000 | 1,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,091,000 | 21,519,000 | 21,782,000 | 21,818,000 |
| Total capital | 21,992,000 | 22,400,000 | 22,652,000 | 22,772,000 |
| Risk-weighted assets | 71,917,000 | 70,267,000 | 69,346,000 | 76,079,000 |