Call reports 2019
LIBERTY FIRST BANK — 2019
What LIBERTY FIRST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 133,503,000 | 138,658,000 | 133,840,000 | 139,645,000 |
| Total loans | 89,612,000 | 86,793,000 | 86,439,000 | 79,889,000 |
| Allowance for loan losses | 1,083,000 | 1,100,000 | 1,099,000 | 1,100,000 |
| Securities available for sale | 16,369,000 | 19,156,000 | 30,334,000 | 33,939,000 |
| Securities held to maturity | 12,929,000 | 8,133,000 | 7,978,000 | 7,791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,924,000 | 123,244,000 | 115,321,000 | 123,694,000 |
| Interest-bearing deposits | 93,037,000 | 95,581,000 | 87,237,000 | 94,351,000 |
| Noninterest-bearing deposits | 25,887,000 | 27,663,000 | 28,084,000 | 29,343,000 |
| Equity capital | 14,198,000 | 14,775,000 | 15,205,000 | 15,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,533,000 | 3,097,000 | 4,721,000 | 6,217,000 |
| Interest expense | 333,000 | 679,000 | 1,021,000 | 1,338,000 |
| Net interest income | 1,200,000 | 2,418,000 | 3,700,000 | 4,879,000 |
| Noninterest income | 115,000 | 248,000 | 368,000 | 481,000 |
| Noninterest expense | 980,000 | 1,971,000 | 2,954,000 | 3,926,000 |
| Provision for loan losses | 14,000 | 29,000 | 34,000 | 34,000 |
| Pretax income | 321,000 | 676,000 | 1,128,000 | 1,449,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 321,000 | 676,000 | 1,128,000 | 1,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,521,000 | 14,877,000 | 15,328,000 | 15,649,000 |
| Total capital | 15,604,000 | 15,977,000 | 16,427,000 | 16,749,000 |
| Risk-weighted assets | 98,162,000 | 100,752,000 | 99,842,000 | 90,817,000 |