Call reports 2013
LIBERTY NATIONAL BANK — 2013
What LIBERTY NATIONAL 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 | 272,855,000 | 273,254,000 | 281,404,000 | 281,036,000 |
| Total loans | 148,222,000 | 164,090,000 | 172,196,000 | 171,527,000 |
| Allowance for loan losses | 2,330,000 | 2,490,000 | 2,581,000 | 2,583,000 |
| Securities available for sale | 65,280,000 | 62,153,000 | 63,282,000 | 64,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,222,000 | 236,695,000 | 244,773,000 | 243,977,000 |
| Interest-bearing deposits | 187,715,000 | 189,116,000 | 186,494,000 | 187,841,000 |
| Noninterest-bearing deposits | 47,507,000 | 47,579,000 | 58,279,000 | 56,137,000 |
| Equity capital | 34,790,000 | 33,788,000 | 34,005,000 | 34,240,000 |
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 | 2,238,000 | 4,537,000 | 6,936,000 | 9,383,000 |
| Interest expense | 258,000 | 523,000 | 780,000 | 1,029,000 |
| Net interest income | 1,980,000 | 4,014,000 | 6,156,000 | 8,354,000 |
| Noninterest income | 369,000 | 869,000 | 1,225,000 | 1,552,000 |
| Noninterest expense | 1,740,000 | 3,456,000 | 5,168,000 | 6,795,000 |
| Provision for loan losses | 0 | 160,000 | 251,000 | 251,000 |
| Pretax income | 609,000 | 1,433,000 | 2,194,000 | 3,167,000 |
| Income tax | 169,000 | 411,000 | 638,000 | 936,000 |
| Net income | 440,000 | 1,022,000 | 1,556,000 | 2,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,103,000 | 22,835,000 | 23,419,000 | 23,643,000 |
| Total capital | 25,235,000 | 25,191,000 | 25,821,000 | 26,067,000 |
| Risk-weighted assets | 170,335,000 | 188,371,000 | 192,020,000 | 193,729,000 |