Call reports 2013
LIBERTY BANK — 2013
What LIBERTY 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 | 1,074,342,000 | 1,059,990,000 | 1,064,890,000 | 1,071,933,000 |
| Total loans | 834,843,000 | 829,632,000 | 801,697,000 | 803,794,000 |
| Allowance for loan losses | 11,836,000 | 12,016,000 | 11,346,000 | 11,677,000 |
| Securities available for sale | 54,686,000 | 62,780,000 | 80,049,000 | 97,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 909,222,000 | 896,221,000 | 897,794,000 | 903,191,000 |
| Interest-bearing deposits | 848,623,000 | 830,520,000 | 835,145,000 | 836,527,000 |
| Noninterest-bearing deposits | 60,599,000 | 65,701,000 | 62,649,000 | 66,664,000 |
| Equity capital | 110,135,000 | 110,792,000 | 114,323,000 | 116,703,000 |
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 | 12,771,000 | 25,164,000 | 37,537,000 | 49,613,000 |
| Interest expense | 1,233,000 | 2,318,000 | 3,310,000 | 4,229,000 |
| Net interest income | 11,538,000 | 22,846,000 | 34,227,000 | 45,384,000 |
| Noninterest income | 3,572,000 | 6,804,000 | 10,439,000 | 12,883,000 |
| Noninterest expense | 8,519,000 | 16,829,000 | 24,767,000 | 32,127,000 |
| Provision for loan losses | 650,000 | 1,067,000 | 1,546,000 | 2,195,000 |
| Pretax income | 5,941,000 | 11,753,000 | 18,352,000 | 23,944,000 |
| Income tax | 2,047,000 | 4,018,000 | 6,279,000 | 8,248,000 |
| Net income | 3,894,000 | 7,735,000 | 12,073,000 | 15,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,990,000 | 107,781,000 | 111,170,000 | 113,843,000 |
| Total capital | 114,965,000 | 116,704,000 | 119,945,000 | 122,643,000 |
| Risk-weighted assets | 714,692,000 | 709,234,000 | 697,622,000 | 699,830,000 |