Call reports 2020
FIRST LIBERTY BANK — 2020
What FIRST LIBERTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 354,097,000 | 395,170,000 | 391,281,000 | 385,032,000 |
| Total loans | 213,831,000 | 229,736,000 | 228,121,000 | 206,580,000 |
| Allowance for loan losses | 2,701,000 | 3,332,000 | 3,065,000 | 2,998,000 |
| Securities available for sale | 93,110,000 | 84,639,000 | 102,858,000 | 111,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,797,000 | 349,450,000 | 344,587,000 | 338,983,000 |
| Interest-bearing deposits | 293,093,000 | 327,910,000 | 324,640,000 | 316,288,000 |
| Noninterest-bearing deposits | 18,704,000 | 21,540,000 | 19,947,000 | 22,695,000 |
| Equity capital | 39,416,000 | 42,206,000 | 43,329,000 | 44,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,883,000 | 8,345,000 | 12,140,000 | 15,739,000 |
| Interest expense | 345,000 | 615,000 | 860,000 | 1,084,000 |
| Net interest income | 3,538,000 | 7,730,000 | 11,280,000 | 14,655,000 |
| Noninterest income | 960,000 | 1,763,000 | 2,709,000 | 3,673,000 |
| Noninterest expense | 3,226,000 | 6,294,000 | 9,422,000 | 12,248,000 |
| Provision for loan losses | 409,000 | 1,234,000 | 1,305,000 | 1,305,000 |
| Pretax income | 1,000,000 | 2,307,000 | 3,604,000 | 5,117,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,000,000 | 2,307,000 | 3,604,000 | 5,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,869,000 | 39,896,000 | 40,591,000 | 42,104,000 |
| Total capital | 41,534,000 | 42,529,000 | 43,246,000 | 44,676,000 |
| Risk-weighted assets | 213,140,000 | 209,967,000 | 212,028,000 | 205,343,000 |