Call reports 2013
LIBERTY BANK OF MARYLAND — 2013
What LIBERTY BANK OF MARYLAND 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 | 43,297,000 | 42,047,000 | 40,913,000 | 40,007,000 |
| Total loans | 27,830,000 | 27,567,000 | 28,557,000 | 27,709,000 |
| Allowance for loan losses | 761,000 | 761,000 | 761,000 | 352,000 |
| Securities available for sale | 7,074,000 | 6,433,000 | 6,004,000 | 5,702,000 |
| Securities held to maturity | 19,000 | 13,000 | 10,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,839,000 | 35,750,000 | 34,627,000 | 33,764,000 |
| Interest-bearing deposits | 36,311,000 | 35,276,000 | 34,387,000 | 33,406,000 |
| Noninterest-bearing deposits | 528,000 | 474,000 | 240,000 | 358,000 |
| Equity capital | 6,275,000 | 6,161,000 | 6,133,000 | 6,129,000 |
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 | 418,000 | 856,000 | 1,273,000 | 1,718,000 |
| Interest expense | 98,000 | 185,000 | 266,000 | 345,000 |
| Net interest income | 320,000 | 671,000 | 1,007,000 | 1,373,000 |
| Noninterest income | 23,000 | 31,000 | 37,000 | 46,000 |
| Noninterest expense | 361,000 | 706,000 | 1,075,000 | 1,394,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -18,000 | -4,000 | -31,000 | 25,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -18,000 | -4,000 | -31,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,908,000 | 5,921,000 | 5,895,000 | 5,951,000 |
| Total capital | 6,142,000 | 6,152,000 | 6,129,000 | 6,177,000 |
| Risk-weighted assets | 18,168,000 | 17,970,000 | 18,220,000 | 17,987,000 |