Call reports 2011
FIRST LIBERTY BANK — 2011
What FIRST 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 | 164,820,000 | 194,765,000 | 181,000,000 | 199,064,000 |
| Total loans | 119,497,000 | 121,565,000 | 118,626,000 | 117,348,000 |
| Allowance for loan losses | 2,059,000 | 2,435,000 | 2,810,000 | 2,093,000 |
| Securities available for sale | 30,775,000 | 32,722,000 | 34,067,000 | 34,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,405,000 | 174,235,000 | 153,408,000 | 177,360,000 |
| Interest-bearing deposits | 111,616,000 | 121,573,000 | 108,264,000 | 92,990,000 |
| Noninterest-bearing deposits | 32,789,000 | 52,662,000 | 45,144,000 | 84,370,000 |
| Equity capital | 19,500,000 | 20,110,000 | 20,833,000 | 21,517,000 |
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 | 2,044,000 | 4,120,000 | 6,234,000 | 8,241,000 |
| Interest expense | 373,000 | 750,000 | 1,098,000 | 1,387,000 |
| Net interest income | 1,671,000 | 3,370,000 | 5,136,000 | 6,854,000 |
| Noninterest income | 831,000 | 902,000 | 971,000 | 1,069,000 |
| Noninterest expense | 1,062,000 | 1,935,000 | 2,686,000 | 3,696,000 |
| Provision for loan losses | 260,000 | 635,000 | 1,010,000 | 1,517,000 |
| Pretax income | 1,170,000 | 1,861,000 | 2,588,000 | 2,892,000 |
| Income tax | 499,000 | 852,000 | 1,238,000 | 1,046,000 |
| Net income | 671,000 | 1,009,000 | 1,350,000 | 1,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,896,000 | 19,235,000 | 19,426,000 | 19,922,000 |
| Total capital | 20,568,000 | 21,173,000 | 21,250,000 | 21,800,000 |
| Risk-weighted assets | 137,587,000 | 159,159,000 | 148,205,000 | 152,589,000 |