Call reports 2015
LIBERTY BANK, NATIONAL ASSOCIATION — 2015
What LIBERTY BANK, NATIONAL ASSOCIATION 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 | 207,504,000 | 211,720,000 | 208,480,000 | 212,341,000 |
| Total loans | 169,866,000 | 168,311,000 | 168,657,000 | 179,016,000 |
| Allowance for loan losses | 3,196,000 | 2,484,000 | 2,604,000 | 2,627,000 |
| Securities available for sale | 1,001,000 | 1,000 | 1,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,628,000 | 181,298,000 | 177,457,000 | 181,280,000 |
| Interest-bearing deposits | 153,169,000 | 150,936,000 | 150,203,000 | 150,954,000 |
| Noninterest-bearing deposits | 24,459,000 | 30,362,000 | 27,254,000 | 30,326,000 |
| Equity capital | 29,075,000 | 29,423,000 | 29,824,000 | 30,254,000 |
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 | 2,210,000 | 4,275,000 | 6,438,000 | 8,605,000 |
| Interest expense | 245,000 | 489,000 | 725,000 | 949,000 |
| Net interest income | 1,965,000 | 3,786,000 | 5,713,000 | 7,656,000 |
| Noninterest income | 177,000 | 492,000 | 735,000 | 977,000 |
| Noninterest expense | 1,617,000 | 3,105,000 | 4,585,000 | 5,896,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 525,000 | 1,173,000 | 1,863,000 | 2,737,000 |
| Income tax | 183,000 | 404,000 | 643,000 | 943,000 |
| Net income | 342,000 | 769,000 | 1,220,000 | 1,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,075,000 | 29,423,000 | 29,824,000 | 30,254,000 |
| Total capital | 31,296,000 | 31,649,000 | 32,067,000 | 32,685,000 |
| Risk-weighted assets | 176,718,000 | 177,839,000 | 179,085,000 | 194,331,000 |