Call reports 2013
FIRST LIBERTY BANK — 2013
What FIRST LIBERTY 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 | 218,230,000 | 221,073,000 | 222,489,000 | 234,282,000 |
| Total loans | 143,289,000 | 143,250,000 | 149,312,000 | 150,348,000 |
| Allowance for loan losses | 2,864,000 | 3,116,000 | 3,673,000 | 2,131,000 |
| Securities available for sale | 55,499,000 | 43,257,000 | 43,813,000 | 42,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,628,000 | 197,542,000 | 199,310,000 | 211,018,000 |
| Interest-bearing deposits | 140,323,000 | 136,634,000 | 146,043,000 | 140,094,000 |
| Noninterest-bearing deposits | 54,305,000 | 60,908,000 | 53,267,000 | 70,924,000 |
| Equity capital | 23,501,000 | 23,328,000 | 22,910,000 | 23,144,000 |
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 | 2,151,000 | 4,386,000 | 6,776,000 | 9,118,000 |
| Interest expense | 200,000 | 402,000 | 618,000 | 845,000 |
| Net interest income | 1,951,000 | 3,984,000 | 6,158,000 | 8,273,000 |
| Noninterest income | 104,000 | 205,000 | 311,000 | 407,000 |
| Noninterest expense | 1,136,000 | 2,284,000 | 3,656,000 | 5,290,000 |
| Provision for loan losses | 181,000 | 433,000 | 1,032,000 | 1,179,000 |
| Pretax income | 738,000 | 1,546,000 | 1,855,000 | 2,285,000 |
| Income tax | 200,000 | 309,000 | 397,000 | 680,000 |
| Net income | 538,000 | 1,237,000 | 1,458,000 | 1,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,905,000 | 23,605,000 | 23,630,000 | 23,778,000 |
| Total capital | 25,136,000 | 25,828,000 | 26,015,000 | 25,909,000 |
| Risk-weighted assets | 177,869,000 | 177,531,000 | 189,514,000 | 189,698,000 |