Call reports 2012
LIBERTY BANK MINNESOTA — 2012
What LIBERTY BANK MINNESOTA 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 | 172,663,000 | 167,197,000 | 173,865,000 | 185,148,000 |
| Total loans | 105,183,000 | 99,258,000 | 104,165,000 | 103,378,000 |
| Allowance for loan losses | 1,394,000 | 1,366,000 | 1,662,000 | 2,300,000 |
| Securities available for sale | 15,894,000 | 18,091,000 | 22,161,000 | 31,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,553,000 | 143,871,000 | 150,210,000 | 160,871,000 |
| Interest-bearing deposits | 117,517,000 | 81,062,000 | 119,431,000 | 130,557,000 |
| Noninterest-bearing deposits | 32,036,000 | 62,809,000 | 30,779,000 | 30,314,000 |
| Equity capital | 17,802,000 | 17,963,000 | 18,379,000 | 18,798,000 |
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 | 1,530,000 | 3,049,000 | 4,559,000 | 6,073,000 |
| Interest expense | 272,000 | 544,000 | 818,000 | 1,100,000 |
| Net interest income | 1,258,000 | 2,505,000 | 3,741,000 | 4,973,000 |
| Noninterest income | 246,000 | 1,101,000 | 3,384,000 | 6,201,000 |
| Noninterest expense | 1,608,000 | 3,259,000 | 5,301,000 | 7,374,000 |
| Provision for loan losses | -425,000 | -425,000 | 43,000 | 920,000 |
| Pretax income | 321,000 | 772,000 | 1,781,000 | 2,880,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 316,000 | 767,000 | 1,776,000 | 2,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,927,000 | 17,012,000 | 17,480,000 | 17,961,000 |
| Total capital | 18,210,000 | 18,250,000 | 18,720,000 | 19,189,000 |
| Risk-weighted assets | 101,724,000 | 98,793,000 | 104,043,000 | 99,306,000 |