Call reports 2010
LIBERTY BANK — 2010
What LIBERTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 28,226,000 | 33,629,000 | 36,580,000 | 41,626,000 |
| Total loans | 9,073,000 | 14,440,000 | 18,057,000 | 23,565,000 |
| Allowance for loan losses | 177,000 | 207,000 | 268,000 | 430,000 |
| Securities available for sale | 2,918,000 | 2,870,000 | 2,783,000 | 3,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,634,000 | 25,364,000 | 28,649,000 | 34,127,000 |
| Interest-bearing deposits | 18,050,000 | 22,513,000 | 25,193,000 | 30,221,000 |
| Noninterest-bearing deposits | 1,584,000 | 2,851,000 | 3,456,000 | 3,906,000 |
| Equity capital | 8,536,000 | 8,190,000 | 7,849,000 | 7,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 157,000 | 385,000 | 699,000 | 1,057,000 |
| Interest expense | 59,000 | 133,000 | 228,000 | 314,000 |
| Net interest income | 98,000 | 252,000 | 471,000 | 743,000 |
| Noninterest income | 2,000 | 9,000 | 32,000 | 65,000 |
| Noninterest expense | 552,000 | 1,090,000 | 1,641,000 | 2,389,000 |
| Provision for loan losses | 90,000 | 120,000 | 181,000 | 343,000 |
| Pretax income | -542,000 | -949,000 | -1,319,000 | -1,924,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -542,000 | -949,000 | -1,319,000 | -1,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,538,000 | 8,148,000 | 7,795,000 | 7,222,000 |
| Total capital | 8,701,000 | 8,355,000 | 8,049,000 | 7,535,000 |
| Risk-weighted assets | 12,261,000 | 17,281,000 | 20,302,000 | 24,910,000 |