Call reports 2011
LIBERTY BANK — 2011
What LIBERTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 220,591,000 | 229,356,000 | 220,027,000 | 216,790,000 |
| Total loans | 164,267,000 | 156,151,000 | 138,402,000 | 127,308,000 |
| Allowance for loan losses | 6,434,000 | 7,472,000 | 6,427,000 | 5,622,000 |
| Securities available for sale | 30,955,000 | 29,624,000 | 42,080,000 | 54,632,000 |
| Securities held to maturity | 8,001,000 | 7,813,000 | 8,553,000 | 8,859,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,154,000 | 207,264,000 | 197,598,000 | 191,151,000 |
| Interest-bearing deposits | 162,167,000 | 160,699,000 | 162,077,000 | 156,790,000 |
| Noninterest-bearing deposits | 34,987,000 | 46,565,000 | 35,521,000 | 34,361,000 |
| Equity capital | 22,725,000 | 21,399,000 | 21,762,000 | 24,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,646,000 | 5,122,000 | 7,582,000 | 9,891,000 |
| Interest expense | 370,000 | 691,000 | 980,000 | 1,237,000 |
| Net interest income | 2,276,000 | 4,431,000 | 6,602,000 | 8,654,000 |
| Noninterest income | 194,000 | -690,000 | -664,000 | 381,000 |
| Noninterest expense | 2,135,000 | 4,393,000 | 6,173,000 | 8,480,000 |
| Provision for loan losses | 0 | 1,750,000 | 1,750,000 | 1,750,000 |
| Pretax income | 335,000 | -2,402,000 | -1,985,000 | -1,195,000 |
| Income tax | 0 | 80,000 | 53,000 | 2,000 |
| Net income | 335,000 | -2,482,000 | -2,038,000 | -1,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,696,000 | 21,380,000 | 21,824,000 | 24,664,000 |
| Total capital | 25,308,000 | 23,851,000 | 24,276,000 | 27,079,000 |
| Risk-weighted assets | 205,143,000 | 192,662,000 | 192,108,000 | 189,953,000 |