Call reports 2013
LIBERTY NATIONAL BANK — 2013
What LIBERTY NATIONAL BANK 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 | 224,984,000 | 220,260,000 | 221,175,000 | 233,518,000 |
| Total loans | 150,981,000 | 154,951,000 | 163,776,000 | 172,263,000 |
| Allowance for loan losses | 1,826,000 | 1,881,000 | 1,770,000 | 1,911,000 |
| Securities available for sale | 36,226,000 | 34,159,000 | 33,275,000 | 31,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,198,000 | 187,243,000 | 188,126,000 | 200,322,000 |
| Interest-bearing deposits | 145,828,000 | 141,620,000 | 141,790,000 | 152,855,000 |
| Noninterest-bearing deposits | 46,370,000 | 45,623,000 | 46,336,000 | 47,467,000 |
| Equity capital | 22,984,000 | 22,736,000 | 22,946,000 | 22,896,000 |
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 | 2,157,000 | 4,362,000 | 6,636,000 | 9,023,000 |
| Interest expense | 211,000 | 382,000 | 544,000 | 726,000 |
| Net interest income | 1,946,000 | 3,980,000 | 6,092,000 | 8,297,000 |
| Noninterest income | 309,000 | 637,000 | 936,000 | 1,229,000 |
| Noninterest expense | 1,922,000 | 3,677,000 | 5,392,000 | 7,195,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 470,000 |
| Pretax income | 484,000 | 1,031,000 | 1,667,000 | 2,164,000 |
| Income tax | 123,000 | 270,000 | 447,000 | 581,000 |
| Net income | 361,000 | 761,000 | 1,220,000 | 1,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,828,000 | 20,910,000 | 21,385,000 | 21,430,000 |
| Total capital | 22,654,000 | 22,791,000 | 23,155,000 | 23,341,000 |
| Risk-weighted assets | 152,118,000 | 153,988,000 | 160,862,000 | 169,118,000 |