Call reports 2012
LIBERTY BANK, F.S.B. — 2012
What LIBERTY BANK, F.S.B. 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 | 834,870,000 | 571,672,000 | 480,244,000 | 380,153,000 |
| Total loans | 488,331,000 | 309,429,000 | 263,246,000 | 213,219,000 |
| Allowance for loan losses | 21,166,000 | 16,671,000 | 15,242,000 | 13,516,000 |
| Securities available for sale | 23,056,000 | 50,785,000 | 43,170,000 | 42,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 741,048,000 | 480,025,000 | 425,944,000 | 330,512,000 |
| Interest-bearing deposits | 649,184,000 | 429,676,000 | 377,372,000 | 275,300,000 |
| Noninterest-bearing deposits | 91,864,000 | 50,349,000 | 48,572,000 | 55,212,000 |
| Equity capital | 24,401,000 | 29,541,000 | 26,060,000 | 22,068,000 |
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 | 7,145,000 | 11,465,000 | 15,182,000 | 18,571,000 |
| Interest expense | 2,359,000 | 4,231,000 | 5,647,000 | 6,862,000 |
| Net interest income | 4,786,000 | 7,234,000 | 9,535,000 | 11,709,000 |
| Noninterest income | 9,274,000 | 22,713,000 | 24,857,000 | 26,340,000 |
| Noninterest expense | 10,109,000 | 18,508,000 | 26,718,000 | 34,356,000 |
| Provision for loan losses | 1,150,000 | 3,500,000 | 3,500,000 | 3,500,000 |
| Pretax income | 2,801,000 | 7,939,000 | 4,174,000 | 193,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 2,801,000 | 7,938,000 | 4,173,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,298,000 | 29,435,000 | 25,670,000 | 21,688,000 |
| Total capital | 30,795,000 | 33,734,000 | 29,312,000 | 24,579,000 |
| Risk-weighted assets | 504,887,000 | 331,536,000 | 279,775,000 | 220,620,000 |