Call reports 2015
LIBERTY NATIONAL BANK — 2015
What LIBERTY NATIONAL 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 | 460,874,000 | 445,267,000 | 443,845,000 | 444,118,000 |
| Total loans | 270,547,000 | 286,363,000 | 303,389,000 | 302,834,000 |
| Allowance for loan losses | 3,375,000 | 3,632,000 | 3,811,000 | 3,810,000 |
| Securities available for sale | 114,940,000 | 103,210,000 | 101,029,000 | 88,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,124,000 | 390,055,000 | 375,885,000 | 386,437,000 |
| Interest-bearing deposits | 282,135,000 | 289,149,000 | 270,785,000 | 292,554,000 |
| Noninterest-bearing deposits | 118,989,000 | 100,906,000 | 105,100,000 | 93,882,000 |
| Equity capital | 53,515,000 | 53,242,000 | 54,660,000 | 56,037,000 |
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 | 4,959,000 | 9,750,000 | 15,151,000 | 19,950,000 |
| Interest expense | 179,000 | 16,000 | 196,000 | 367,000 |
| Net interest income | 4,780,000 | 9,734,000 | 14,955,000 | 19,583,000 |
| Noninterest income | 853,000 | 1,864,000 | 2,871,000 | 3,843,000 |
| Noninterest expense | 3,678,000 | 7,613,000 | 11,698,000 | 15,618,000 |
| Provision for loan losses | 411,000 | 691,000 | 867,000 | 878,000 |
| Pretax income | 1,569,000 | 3,600,000 | 5,582,000 | 7,230,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,569,000 | 3,600,000 | 5,582,000 | 7,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,012,000 | 47,910,000 | 48,939,000 | 50,204,000 |
| Total capital | 50,387,000 | 51,542,000 | 52,750,000 | 54,014,000 |
| Risk-weighted assets | 297,418,000 | 297,439,000 | 306,162,000 | 311,758,000 |