Call reports 2015
FIRST LIBERTY BANK — 2015
What FIRST LIBERTY BANK 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 | 305,188,000 | 297,558,000 | 310,774,000 | 306,576,000 |
| Total loans | 144,370,000 | 144,122,000 | 150,058,000 | 150,303,000 |
| Allowance for loan losses | 1,229,000 | 1,222,000 | 1,279,000 | 1,286,000 |
| Securities available for sale | 124,368,000 | 119,640,000 | 123,741,000 | 116,159,000 |
| Securities held to maturity | 2,652,000 | 2,663,000 | 1,219,000 | 1,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,090,000 | 256,756,000 | 258,476,000 | 257,919,000 |
| Interest-bearing deposits | 250,330,000 | 241,578,000 | 242,106,000 | 241,845,000 |
| Noninterest-bearing deposits | 13,760,000 | 15,178,000 | 16,370,000 | 16,074,000 |
| Equity capital | 35,348,000 | 34,982,000 | 35,854,000 | 35,311,000 |
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 | 2,350,000 | 4,694,000 | 7,045,000 | 9,474,000 |
| Interest expense | 263,000 | 517,000 | 789,000 | 1,070,000 |
| Net interest income | 2,087,000 | 4,177,000 | 6,256,000 | 8,404,000 |
| Noninterest income | 594,000 | 1,250,000 | 1,941,000 | 2,551,000 |
| Noninterest expense | 1,855,000 | 3,726,000 | 5,551,000 | 7,482,000 |
| Provision for loan losses | 90,000 | 193,000 | 283,000 | 395,000 |
| Pretax income | 737,000 | 1,509,000 | 2,364,000 | 3,079,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 737,000 | 1,509,000 | 2,364,000 | 3,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,465,000 | 34,782,000 | 35,133,000 | 35,287,000 |
| Total capital | 35,694,000 | 36,004,000 | 36,412,000 | 36,573,000 |
| Risk-weighted assets | 135,673,000 | 135,254,000 | 141,868,000 | 142,036,000 |