Call reports 2013
LIBERTY TRUST & SAVINGS BANK — 2013
What LIBERTY TRUST & SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 143,188,000 | 140,443,000 | 139,189,000 | 143,005,000 |
| Total loans | 57,025,000 | 58,793,000 | 60,913,000 | 65,329,000 |
| Allowance for loan losses | 1,192,000 | 1,202,000 | 1,209,000 | 1,220,000 |
| Securities available for sale | 74,648,000 | 68,808,000 | 68,742,000 | 67,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,216,000 | 117,013,000 | 115,875,000 | 114,787,000 |
| Interest-bearing deposits | 96,135,000 | 97,286,000 | 93,815,000 | 94,498,000 |
| Noninterest-bearing deposits | 21,081,000 | 19,727,000 | 22,060,000 | 20,289,000 |
| Equity capital | 24,184,000 | 22,662,000 | 22,504,000 | 22,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,286,000 | 2,537,000 | 3,783,000 | 5,075,000 |
| Interest expense | 174,000 | 333,000 | 481,000 | 628,000 |
| Net interest income | 1,112,000 | 2,204,000 | 3,302,000 | 4,447,000 |
| Noninterest income | 144,000 | 254,000 | 378,000 | 503,000 |
| Noninterest expense | 658,000 | 1,310,000 | 1,991,000 | 2,838,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 598,000 | 1,148,000 | 1,689,000 | 2,112,000 |
| Income tax | 138,000 | 262,000 | 388,000 | 465,000 |
| Net income | 460,000 | 886,000 | 1,301,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,084,000 | 22,510,000 | 22,732,000 | 23,078,000 |
| Total capital | 22,980,000 | 23,424,000 | 23,671,000 | 24,070,000 |
| Risk-weighted assets | 71,414,000 | 72,786,000 | 74,861,000 | 79,170,000 |