Call reports 2015
LIBERTY STATE BANK — 2015
What LIBERTY STATE 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 | 90,496,000 | 89,080,000 | 89,379,000 | 82,509,000 |
| Total loans | 40,504,000 | 43,530,000 | 45,086,000 | 42,930,000 |
| Allowance for loan losses | 450,000 | 454,000 | 460,000 | 460,000 |
| Securities available for sale | 42,199,000 | 41,264,000 | 36,417,000 | 35,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,954,000 | 72,560,000 | 71,601,000 | 71,714,000 |
| Interest-bearing deposits | 64,292,000 | 57,039,000 | 56,228,000 | 56,233,000 |
| Noninterest-bearing deposits | 16,662,000 | 15,521,000 | 15,374,000 | 15,481,000 |
| Equity capital | 9,154,000 | 8,429,000 | 8,973,000 | 9,414,000 |
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 | 765,000 | 1,590,000 | 2,358,000 | 3,112,000 |
| Interest expense | 33,000 | 68,000 | 105,000 | 143,000 |
| Net interest income | 732,000 | 1,522,000 | 2,253,000 | 2,969,000 |
| Noninterest income | 22,000 | 47,000 | 73,000 | 128,000 |
| Noninterest expense | 274,000 | 606,000 | 983,000 | 1,337,000 |
| Provision for loan losses | 15,000 | 21,000 | 27,000 | 34,000 |
| Pretax income | 519,000 | 1,008,000 | 1,390,000 | 1,798,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 519,000 | 1,008,000 | 1,390,000 | 1,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,559,000 | 8,533,000 | 8,705,000 | 8,838,000 |
| Total capital | 9,009,000 | 8,987,000 | 9,165,000 | 9,298,000 |
| Risk-weighted assets | 50,593,000 | 52,466,000 | 53,994,000 | 50,067,000 |