Call reports 2015
BANKLIBERTY — 2015
What BANKLIBERTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 453,035,000 | 442,431,000 | 439,592,000 | 435,841,000 |
| Total loans | 313,175,000 | 339,350,000 | 327,824,000 | 350,057,000 |
| Allowance for loan losses | 5,836,000 | 5,713,000 | 5,705,000 | 5,443,000 |
| Securities available for sale | 25,759,000 | 24,786,000 | 22,372,000 | 20,334,000 |
| Securities held to maturity | 3,658,000 | 3,538,000 | 3,393,000 | 3,316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,218,000 | 372,093,000 | 353,953,000 | 359,381,000 |
| Interest-bearing deposits | 228,022,000 | 221,509,000 | 207,278,000 | 207,508,000 |
| Noninterest-bearing deposits | 155,196,000 | 150,584,000 | 146,675,000 | 151,873,000 |
| Equity capital | 65,347,000 | 65,418,000 | 64,445,000 | 49,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,302,000 | 9,150,000 | 13,547,000 | 18,163,000 |
| Interest expense | 239,000 | 445,000 | 657,000 | 870,000 |
| Net interest income | 4,063,000 | 8,705,000 | 12,890,000 | 17,293,000 |
| Noninterest income | 811,000 | 1,503,000 | 3,237,000 | 3,928,000 |
| Noninterest expense | 3,578,000 | 7,076,000 | 10,555,000 | 14,867,000 |
| Provision for loan losses | 0 | 0 | 0 | -400,000 |
| Pretax income | 1,296,000 | 3,132,000 | 5,575,000 | 6,764,000 |
| Income tax | 420,000 | 1,039,000 | 1,882,000 | 2,256,000 |
| Net income | 876,000 | 2,093,000 | 3,693,000 | 4,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,857,000 | 62,119,000 | 61,033,000 | 45,665,000 |
| Total capital | 66,325,000 | 66,793,000 | 65,619,000 | 50,489,000 |
| Risk-weighted assets | 356,087,000 | 372,648,000 | 365,496,000 | 385,076,000 |