Call reports 2010
LIBERTY BANK — 2010
What LIBERTY 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 | 948,762,000 | 970,405,000 | 963,301,000 | 973,204,000 |
| Total loans | 839,593,000 | 833,632,000 | 848,233,000 | 850,653,000 |
| Allowance for loan losses | 10,501,000 | 10,782,000 | 10,612,000 | 11,209,000 |
| Securities available for sale | 1,313,000 | 1,163,000 | 511,000 | 505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 772,811,000 | 795,187,000 | 805,415,000 | 796,321,000 |
| Interest-bearing deposits | 739,296,000 | 764,725,000 | 771,134,000 | 765,018,000 |
| Noninterest-bearing deposits | 33,515,000 | 30,462,000 | 34,281,000 | 31,303,000 |
| Equity capital | 94,903,000 | 97,143,000 | 99,679,000 | 102,162,000 |
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 | 12,515,000 | 25,196,000 | 38,080,000 | 51,113,000 |
| Interest expense | 3,375,000 | 6,617,000 | 9,639,000 | 12,177,000 |
| Net interest income | 9,140,000 | 18,579,000 | 28,441,000 | 38,936,000 |
| Noninterest income | 2,784,000 | 6,387,000 | 9,649,000 | 12,786,000 |
| Noninterest expense | 6,467,000 | 12,921,000 | 19,477,000 | 25,760,000 |
| Provision for loan losses | 1,000,000 | 2,580,000 | 4,080,000 | 6,030,000 |
| Pretax income | 4,455,000 | 9,463,000 | 14,531,000 | 19,930,000 |
| Income tax | 1,506,000 | 3,235,000 | 5,045,000 | 6,919,000 |
| Net income | 2,949,000 | 6,228,000 | 9,486,000 | 13,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,713,000 | 93,957,000 | 96,499,000 | 98,988,000 |
| Total capital | 100,902,000 | 103,006,000 | 105,684,000 | 108,173,000 |
| Risk-weighted assets | 733,988,000 | 722,230,000 | 733,386,000 | 732,784,000 |