Call reports 2012
LIBERTY BANK OF MARYLAND — 2012
What LIBERTY BANK OF MARYLAND 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 | 46,342,000 | 45,518,000 | 42,705,000 | 43,032,000 |
| Total loans | 29,720,000 | 30,422,000 | 30,288,000 | 28,084,000 |
| Allowance for loan losses | 1,526,000 | 1,526,000 | 1,526,000 | 761,000 |
| Securities available for sale | 9,801,000 | 9,302,000 | 8,782,000 | 7,944,000 |
| Securities held to maturity | 38,000 | 34,000 | 28,000 | 24,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,853,000 | 38,957,000 | 36,093,000 | 36,452,000 |
| Interest-bearing deposits | 39,538,000 | 38,687,000 | 35,824,000 | 35,856,000 |
| Noninterest-bearing deposits | 315,000 | 270,000 | 269,000 | 596,000 |
| Equity capital | 6,408,000 | 6,455,000 | 6,498,000 | 6,355,000 |
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 | 500,000 | 995,000 | 1,468,000 | 1,945,000 |
| Interest expense | 141,000 | 272,000 | 389,000 | 499,000 |
| Net interest income | 359,000 | 723,000 | 1,079,000 | 1,446,000 |
| Noninterest income | 5,000 | 4,000 | 20,000 | 22,000 |
| Noninterest expense | 386,000 | 759,000 | 1,126,000 | 1,466,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -22,000 | -32,000 | -27,000 | 2,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -22,000 | -32,000 | -27,000 | 2,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,949,000 | 5,939,000 | 5,944,000 | 5,926,000 |
| Total capital | 6,225,000 | 6,213,000 | 6,209,000 | 6,163,000 |
| Risk-weighted assets | 20,825,000 | 20,669,000 | 20,036,000 | 18,442,000 |