Call reports 2013
LIBERTY BANK MINNESOTA — 2013
What LIBERTY BANK MINNESOTA 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 | 193,406,000 | 188,855,000 | 188,883,000 | 190,809,000 |
| Total loans | 100,942,000 | 97,847,000 | 100,828,000 | 98,608,000 |
| Allowance for loan losses | 2,283,000 | 2,259,000 | 2,184,000 | 1,787,000 |
| Securities available for sale | 36,357,000 | 38,248,000 | 39,490,000 | 40,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,282,000 | 164,477,000 | 164,479,000 | 167,229,000 |
| Interest-bearing deposits | 136,161,000 | 135,035,000 | 133,662,000 | 134,618,000 |
| Noninterest-bearing deposits | 33,121,000 | 29,442,000 | 30,817,000 | 32,611,000 |
| Equity capital | 18,660,000 | 18,880,000 | 18,872,000 | 17,844,000 |
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 | 1,357,000 | 2,722,000 | 4,157,000 | 5,582,000 |
| Interest expense | 270,000 | 487,000 | 668,000 | 838,000 |
| Net interest income | 1,087,000 | 2,235,000 | 3,489,000 | 4,744,000 |
| Noninterest income | 2,126,000 | 4,163,000 | 5,899,000 | 6,989,000 |
| Noninterest expense | 1,841,000 | 3,773,000 | 5,783,000 | 7,773,000 |
| Provision for loan losses | 0 | 0 | -35,000 | -449,000 |
| Pretax income | 1,372,000 | 2,625,000 | 3,640,000 | 4,409,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,367,000 | 2,620,000 | 3,635,000 | 4,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,792,000 | 18,607,000 | 19,238,000 | 18,283,000 |
| Total capital | 18,802,000 | 19,808,000 | 20,457,000 | 19,495,000 |
| Risk-weighted assets | 104,748,000 | 106,107,000 | 107,220,000 | 110,666,000 |