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 | 89,994,000 | 88,808,000 | 91,057,000 | 91,231,000 |
| Total loans | 56,485,000 | 57,246,000 | 58,783,000 | 60,034,000 |
| Allowance for loan losses | 384,000 | 393,000 | 402,000 | 407,000 |
| Securities available for sale | 22,704,000 | 22,079,000 | 22,154,000 | 21,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,194,000 | 79,041,000 | 80,959,000 | 80,992,000 |
| Interest-bearing deposits | 69,956,000 | 68,859,000 | 69,006,000 | 69,833,000 |
| Noninterest-bearing deposits | 10,238,000 | 10,182,000 | 11,953,000 | 11,159,000 |
| Equity capital | 8,849,000 | 8,952,000 | 9,239,000 | 9,379,000 |
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 | 881,000 | 1,761,000 | 2,673,000 | 3,590,000 |
| Interest expense | 97,000 | 190,000 | 279,000 | 364,000 |
| Net interest income | 784,000 | 1,571,000 | 2,394,000 | 3,226,000 |
| Noninterest income | 98,000 | 220,000 | 310,000 | 396,000 |
| Noninterest expense | 545,000 | 1,087,000 | 1,631,000 | 2,288,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 336,000 | 705,000 | 1,068,000 | 1,323,000 |
| Income tax | 110,000 | 232,000 | 352,000 | 439,000 |
| Net income | 226,000 | 473,000 | 716,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,549,000 | 8,771,000 | 8,988,000 | 9,130,000 |
| Total capital | 8,933,000 | 9,164,000 | 9,390,000 | 9,537,000 |
| Risk-weighted assets | 60,203,000 | 64,910,000 | 61,904,000 | 63,691,000 |