Call reports 2014
LIBERTY FIRST BANK — 2014
What LIBERTY FIRST 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 | 117,041,000 | 113,385,000 | 114,023,000 | 111,154,000 |
| Total loans | 65,043,000 | 66,041,000 | 66,522,000 | 68,709,000 |
| Allowance for loan losses | 1,001,000 | 954,000 | 1,038,000 | 1,119,000 |
| Securities available for sale | 26,334,000 | 24,936,000 | 24,060,000 | 22,461,000 |
| Securities held to maturity | 15,581,000 | 16,029,000 | 13,459,000 | 13,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,524,000 | 94,975,000 | 97,379,000 | 94,426,000 |
| Interest-bearing deposits | 87,142,000 | 82,220,000 | 83,399,000 | 81,367,000 |
| Noninterest-bearing deposits | 13,382,000 | 12,755,000 | 13,979,000 | 13,059,000 |
| Equity capital | 11,145,000 | 11,880,000 | 12,082,000 | 12,820,000 |
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 | 1,181,000 | 2,366,000 | 3,512,000 | 4,655,000 |
| Interest expense | 201,000 | 390,000 | 566,000 | 727,000 |
| Net interest income | 980,000 | 1,976,000 | 2,946,000 | 3,928,000 |
| Noninterest income | 122,000 | 180,000 | 279,000 | 388,000 |
| Noninterest expense | 707,000 | 1,420,000 | 2,121,000 | 2,804,000 |
| Provision for loan losses | 81,000 | 162,000 | 243,000 | 324,000 |
| Pretax income | 314,000 | 610,000 | 897,000 | 1,243,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 314,000 | 610,000 | 897,000 | 1,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,866,000 | 12,163,000 | 12,452,000 | 12,799,000 |
| Total capital | 12,757,000 | 13,054,000 | 13,354,000 | 13,716,000 |
| Risk-weighted assets | 71,121,000 | 71,156,000 | 72,038,000 | 73,179,000 |
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