Call reports 2011
LIBERTY BANK — 2011
What LIBERTY 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 | 1,048,846,000 | 1,073,311,000 | 1,100,343,000 | 1,093,306,000 |
| Total loans | 900,224,000 | 883,644,000 | 883,506,000 | 889,471,000 |
| Allowance for loan losses | 11,689,000 | 11,789,000 | 12,176,000 | 11,954,000 |
| Securities available for sale | 12,950,000 | 12,638,000 | 8,339,000 | 8,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 861,339,000 | 886,115,000 | 912,475,000 | 919,578,000 |
| Interest-bearing deposits | 827,278,000 | 849,396,000 | 867,713,000 | 871,733,000 |
| Noninterest-bearing deposits | 34,061,000 | 36,719,000 | 44,762,000 | 47,845,000 |
| Equity capital | 105,093,000 | 108,405,000 | 109,736,000 | 112,223,000 |
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 | 12,729,000 | 26,637,000 | 40,175,000 | 53,588,000 |
| Interest expense | 2,212,000 | 4,487,000 | 6,576,000 | 8,591,000 |
| Net interest income | 10,517,000 | 22,150,000 | 33,599,000 | 44,997,000 |
| Noninterest income | 3,049,000 | 5,681,000 | 7,133,000 | 9,839,000 |
| Noninterest expense | 6,237,000 | 13,314,000 | 19,830,000 | 25,995,000 |
| Provision for loan losses | 1,230,000 | 2,300,000 | 4,790,000 | 7,190,000 |
| Pretax income | 6,099,000 | 12,217,000 | 16,112,000 | 21,651,000 |
| Income tax | 2,067,000 | 4,107,000 | 5,440,000 | 7,332,000 |
| Net income | 4,032,000 | 8,110,000 | 10,672,000 | 14,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,075,000 | 104,255,000 | 105,568,000 | 108,098,000 |
| Total capital | 110,911,000 | 113,843,000 | 115,166,000 | 117,663,000 |
| Risk-weighted assets | 785,050,000 | 764,826,000 | 765,265,000 | 762,850,000 |