Call reports 2015
LIBERTY BANK — 2015
What LIBERTY 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 | 404,741,000 | 388,980,000 | 396,336,000 | 421,265,000 |
| Total loans | 287,467,000 | 297,173,000 | 300,898,000 | 302,613,000 |
| Allowance for loan losses | 3,681,000 | 3,664,000 | 3,622,000 | 3,770,000 |
| Securities available for sale | 39,326,000 | 51,383,000 | 47,296,000 | 46,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,085,000 | 339,605,000 | 345,963,000 | 370,140,000 |
| Interest-bearing deposits | 239,733,000 | 237,554,000 | 243,622,000 | 252,140,000 |
| Noninterest-bearing deposits | 115,352,000 | 102,052,000 | 102,341,000 | 118,000,000 |
| Equity capital | 47,551,000 | 47,714,000 | 48,547,000 | 49,224,000 |
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 | 3,882,000 | 7,977,000 | 12,079,000 | 16,258,000 |
| Interest expense | 388,000 | 804,000 | 1,228,000 | 1,661,000 |
| Net interest income | 3,494,000 | 7,173,000 | 10,851,000 | 14,597,000 |
| Noninterest income | 214,000 | 574,000 | 965,000 | 1,245,000 |
| Noninterest expense | 2,909,000 | 5,807,000 | 8,700,000 | 11,425,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 799,000 | 1,940,000 | 3,116,000 | 4,417,000 |
| Income tax | 268,000 | 652,000 | 1,045,000 | 1,478,000 |
| Net income | 531,000 | 1,288,000 | 2,071,000 | 2,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,482,000 | 36,429,000 | 37,246,000 | 38,169,000 |
| Total capital | 39,163,000 | 40,093,000 | 40,868,000 | 41,939,000 |
| Risk-weighted assets | 301,033,000 | 309,423,000 | 315,404,000 | 325,228,000 |