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 | 240,841,000 | 236,439,000 | 239,238,000 | 232,911,000 |
| Total loans | 188,114,000 | 184,892,000 | 177,619,000 | 172,502,000 |
| Allowance for loan losses | 3,324,000 | 4,925,000 | 5,061,000 | 6,604,000 |
| Securities available for sale | 9,737,000 | 21,648,000 | 24,168,000 | 26,630,000 |
| Securities held to maturity | 22,163,000 | 16,004,000 | 13,589,000 | 11,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,485,000 | 194,465,000 | 198,917,000 | 194,768,000 |
| Interest-bearing deposits | 158,951,000 | 161,078,000 | 163,548,000 | 162,814,000 |
| Noninterest-bearing deposits | 32,534,000 | 33,387,000 | 35,369,000 | 31,954,000 |
| Equity capital | 23,568,000 | 21,333,000 | 24,690,000 | 22,396,000 |
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 | 3,026,000 | 5,849,000 | 8,763,000 | 11,663,000 |
| Interest expense | 524,000 | 1,017,000 | 1,466,000 | 1,883,000 |
| Net interest income | 2,502,000 | 4,832,000 | 7,297,000 | 9,780,000 |
| Noninterest income | 230,000 | 317,000 | 539,000 | 427,000 |
| Noninterest expense | 1,915,000 | 3,960,000 | 5,983,000 | 8,074,000 |
| Provision for loan losses | 260,000 | 3,050,000 | 3,248,000 | 9,372,000 |
| Pretax income | 557,000 | -1,861,000 | -1,395,000 | -7,239,000 |
| Income tax | 224,000 | 0 | 0 | 168,000 |
| Net income | 333,000 | -1,861,000 | -1,395,000 | -7,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,580,000 | 21,358,000 | 24,673,000 | 22,362,000 |
| Total capital | 26,346,000 | 24,163,000 | 27,401,000 | 24,996,000 |
| Risk-weighted assets | 220,758,000 | 222,257,000 | 215,844,000 | 206,694,000 |