Call reports 2014
FIRST LIBERTY BANK — 2014
What FIRST LIBERTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 313,052,000 | 313,409,000 | 307,772,000 | 324,880,000 |
| Total loans | 127,130,000 | 132,482,000 | 135,986,000 | 141,801,000 |
| Allowance for loan losses | 1,085,000 | 1,076,000 | 1,110,000 | 1,154,000 |
| Securities available for sale | 135,003,000 | 132,318,000 | 126,954,000 | 128,698,000 |
| Securities held to maturity | 7,309,000 | 7,021,000 | 6,137,000 | 5,735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,822,000 | 273,776,000 | 267,892,000 | 284,355,000 |
| Interest-bearing deposits | 260,084,000 | 258,812,000 | 251,131,000 | 258,938,000 |
| Noninterest-bearing deposits | 14,738,000 | 14,964,000 | 16,761,000 | 25,417,000 |
| Equity capital | 32,525,000 | 33,868,000 | 34,045,000 | 34,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,392,000 | 4,816,000 | 7,225,000 | 9,689,000 |
| Interest expense | 288,000 | 564,000 | 836,000 | 1,111,000 |
| Net interest income | 2,104,000 | 4,252,000 | 6,389,000 | 8,578,000 |
| Noninterest income | 660,000 | 1,327,000 | 1,981,000 | 2,622,000 |
| Noninterest expense | 1,811,000 | 3,706,000 | 5,579,000 | 7,496,000 |
| Provision for loan losses | 60,000 | 130,000 | 220,000 | 310,000 |
| Pretax income | 893,000 | 1,743,000 | 2,571,000 | 3,395,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 893,000 | 1,743,000 | 2,571,000 | 3,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,449,000 | 33,764,000 | 34,014,000 | 34,287,000 |
| Total capital | 34,534,000 | 34,840,000 | 35,124,000 | 35,441,000 |
| Risk-weighted assets | 127,423,000 | 131,622,000 | 131,783,000 | 136,074,000 |