Call reports 2019
LIBERTY BANK — 2019
What LIBERTY 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 | 95,079,000 | 94,455,000 | 101,240,000 | 99,590,000 |
| Total loans | 67,437,000 | 68,386,000 | 68,845,000 | 70,339,000 |
| Allowance for loan losses | 409,000 | 414,000 | 446,000 | 452,000 |
| Securities available for sale | 16,880,000 | 14,989,000 | 15,367,000 | 14,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,246,000 | 81,163,000 | 87,445,000 | 85,829,000 |
| Interest-bearing deposits | 65,747,000 | 65,391,000 | 69,987,000 | 70,701,000 |
| Noninterest-bearing deposits | 16,499,000 | 15,772,000 | 17,458,000 | 15,128,000 |
| Equity capital | 11,800,000 | 12,219,000 | 12,635,000 | 12,607,000 |
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 | 990,000 | 2,012,000 | 3,072,000 | 4,141,000 |
| Interest expense | 93,000 | 202,000 | 321,000 | 457,000 |
| Net interest income | 897,000 | 1,810,000 | 2,751,000 | 3,684,000 |
| Noninterest income | 112,000 | 243,000 | 367,000 | 494,000 |
| Noninterest expense | 596,000 | 1,171,000 | 1,698,000 | 2,506,000 |
| Provision for loan losses | 6,000 | 12,000 | 43,000 | 49,000 |
| Pretax income | 407,000 | 862,000 | 1,369,000 | 1,615,000 |
| Income tax | 106,000 | 223,000 | 363,000 | 412,000 |
| Net income | 301,000 | 639,000 | 1,006,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,861,000 | 12,173,000 | 12,515,000 | 12,512,000 |
| Total capital | 12,270,000 | 12,587,000 | 12,961,000 | 12,964,000 |
| Risk-weighted assets | 67,863,000 | 68,371,000 | 68,849,000 | 69,571,000 |