Call reports 2015
LIBERTY FIRST BANK — 2015
What LIBERTY FIRST 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 | 113,315,000 | 117,395,000 | 115,564,000 | 115,858,000 |
| Total loans | 66,926,000 | 70,368,000 | 75,300,000 | 75,740,000 |
| Allowance for loan losses | 1,084,000 | 1,173,000 | 944,000 | 757,000 |
| Securities available for sale | 20,611,000 | 22,676,000 | 20,606,000 | 19,339,000 |
| Securities held to maturity | 15,124,000 | 15,671,000 | 15,187,000 | 13,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,358,000 | 98,989,000 | 98,808,000 | 98,569,000 |
| Interest-bearing deposits | 82,903,000 | 82,665,000 | 81,543,000 | 77,201,000 |
| Noninterest-bearing deposits | 14,456,000 | 16,324,000 | 17,265,000 | 21,368,000 |
| Equity capital | 12,470,000 | 12,576,000 | 13,123,000 | 13,647,000 |
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 | 1,083,000 | 2,213,000 | 3,390,000 | 4,590,000 |
| Interest expense | 153,000 | 305,000 | 460,000 | 612,000 |
| Net interest income | 930,000 | 1,908,000 | 2,930,000 | 3,978,000 |
| Noninterest income | 115,000 | 228,000 | 423,000 | 483,000 |
| Noninterest expense | 692,000 | 1,404,000 | 2,122,000 | 2,931,000 |
| Provision for loan losses | 75,000 | 150,000 | 200,000 | 0 |
| Pretax income | 328,000 | 632,000 | 1,031,000 | 1,603,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 328,000 | 632,000 | 1,031,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,507,000 | 12,812,000 | 13,213,000 | 13,796,000 |
| Total capital | 13,410,000 | 13,746,000 | 14,157,000 | 14,553,000 |
| Risk-weighted assets | 72,094,000 | 74,421,000 | 78,031,000 | 78,450,000 |