Call reports 2012
LIBERTY NATIONAL BANK — 2012
What LIBERTY NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 270,479,000 | 256,589,000 | 254,280,000 | 275,893,000 |
| Total loans | 146,197,000 | 147,895,000 | 154,003,000 | 150,248,000 |
| Allowance for loan losses | 2,351,000 | 2,303,000 | 2,361,000 | 2,330,000 |
| Securities available for sale | 60,353,000 | 63,851,000 | 63,992,000 | 59,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,570,000 | 219,759,000 | 217,503,000 | 238,648,000 |
| Interest-bearing deposits | 192,031,000 | 181,877,000 | 175,368,000 | 179,996,000 |
| Noninterest-bearing deposits | 40,539,000 | 37,882,000 | 42,135,000 | 58,652,000 |
| Equity capital | 33,520,000 | 33,948,000 | 33,779,000 | 34,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,269,000 | 4,667,000 | 7,057,000 | 9,371,000 |
| Interest expense | 353,000 | 712,000 | 1,014,000 | 1,295,000 |
| Net interest income | 1,916,000 | 3,955,000 | 6,043,000 | 8,076,000 |
| Noninterest income | 342,000 | 712,000 | 1,307,000 | 1,807,000 |
| Noninterest expense | 1,633,000 | 3,359,000 | 5,076,000 | 6,716,000 |
| Provision for loan losses | 85,000 | 175,000 | 505,000 | 585,000 |
| Pretax income | 547,000 | 1,140,000 | 1,776,000 | 2,750,000 |
| Income tax | 156,000 | 322,000 | 506,000 | 670,000 |
| Net income | 391,000 | 818,000 | 1,270,000 | 2,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,431,000 | 21,916,000 | 21,739,000 | 22,605,000 |
| Total capital | 23,505,000 | 24,020,000 | 23,905,000 | 24,736,000 |
| Risk-weighted assets | 165,618,000 | 167,610,000 | 173,115,000 | 170,369,000 |