Call reports 2020
LIBERTY BANK — 2020
What LIBERTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 102,759,000 | 110,732,000 | 114,870,000 | 115,189,000 |
| Total loans | 71,249,000 | 71,844,000 | 71,897,000 | 69,439,000 |
| Allowance for loan losses | 457,000 | 513,000 | 519,000 | 510,000 |
| Securities available for sale | 12,643,000 | 13,816,000 | 15,229,000 | 15,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,783,000 | 95,987,000 | 100,017,000 | 100,424,000 |
| Interest-bearing deposits | 73,057,000 | 77,785,000 | 79,196,000 | 79,295,000 |
| Noninterest-bearing deposits | 15,726,000 | 18,202,000 | 20,821,000 | 21,129,000 |
| Equity capital | 12,752,000 | 13,433,000 | 13,758,000 | 13,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,040,000 | 2,079,000 | 3,089,000 | 4,079,000 |
| Interest expense | 137,000 | 271,000 | 393,000 | 516,000 |
| Net interest income | 903,000 | 1,808,000 | 2,696,000 | 3,563,000 |
| Noninterest income | 125,000 | 331,000 | 452,000 | 542,000 |
| Noninterest expense | 531,000 | 1,055,000 | 1,601,000 | 2,390,000 |
| Provision for loan losses | 6,000 | 62,000 | 68,000 | 74,000 |
| Pretax income | 494,000 | 1,023,000 | 1,480,000 | 1,642,000 |
| Income tax | 129,000 | 268,000 | 390,000 | 423,000 |
| Net income | 365,000 | 755,000 | 1,090,000 | 1,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,827,000 | 13,168,000 | 13,453,000 | 13,382,000 |
| Total capital | 13,284,000 | 13,681,000 | 13,972,000 | 13,892,000 |
| Risk-weighted assets | 70,365,000 | 72,603,000 | 72,216,000 | 70,277,000 |
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