Call reports 2024
FIRST LIBERTY BANK — 2024
What FIRST LIBERTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 482,238,000 | 501,041,000 | 475,078,000 | 481,096,000 |
| Total loans | 337,482,000 | 331,402,000 | 322,448,000 | 327,359,000 |
| Allowance for loan losses | 3,726,000 | 3,779,000 | 3,584,000 | 3,571,000 |
| Securities available for sale | 81,695,000 | 78,884,000 | 85,725,000 | 89,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,372,000 | 419,157,000 | 409,744,000 | 419,621,000 |
| Interest-bearing deposits | 287,690,000 | 291,630,000 | 291,089,000 | 294,215,000 |
| Noninterest-bearing deposits | 115,682,000 | 127,527,000 | 118,655,000 | 125,406,000 |
| Equity capital | 39,860,000 | 41,621,000 | 45,013,000 | 42,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,970,000 | 12,240,000 | 19,080,000 | 25,611,000 |
| Interest expense | 2,170,000 | 4,455,000 | 6,826,000 | 8,691,000 |
| Net interest income | 3,800,000 | 7,785,000 | 12,254,000 | 16,920,000 |
| Noninterest income | 1,169,000 | 2,592,000 | 3,673,000 | 4,905,000 |
| Noninterest expense | 3,795,000 | 7,512,000 | 11,195,000 | 15,317,000 |
| Provision for loan losses | -68,000 | 9,000 | 79,000 | 140,000 |
| Pretax income | 1,254,000 | 2,871,000 | 4,638,000 | 6,364,000 |
| Income tax | 254,000 | 581,000 | 939,000 | 1,287,000 |
| Net income | 1,000,000 | 2,290,000 | 3,699,000 | 5,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,468,000 | 47,758,000 | 49,167,000 | 48,845,000 |
| Total capital | 50,289,000 | 51,629,000 | 52,873,000 | 52,527,000 |
| Risk-weighted assets | 322,227,000 | 315,871,000 | 305,998,000 | 310,712,000 |