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 | 301,765,000 | 300,856,000 | 309,647,000 | 319,216,000 |
| Total loans | 164,663,000 | 165,574,000 | 166,666,000 | 167,755,000 |
| Allowance for loan losses | 2,141,000 | 2,111,000 | 1,869,000 | 1,839,000 |
| Securities available for sale | 105,884,000 | 108,250,000 | 111,906,000 | 120,688,000 |
| Securities held to maturity | 2,350,000 | 2,350,000 | 2,350,000 | 2,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,609,000 | 253,594,000 | 261,152,000 | 270,128,000 |
| Interest-bearing deposits | 214,403,000 | 216,543,000 | 224,733,000 | 230,611,000 |
| Noninterest-bearing deposits | 38,206,000 | 37,051,000 | 36,419,000 | 39,517,000 |
| Equity capital | 37,862,000 | 37,753,000 | 37,854,000 | 37,262,000 |
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 | 2,865,000 | 5,613,000 | 8,448,000 | 11,287,000 |
| Interest expense | 312,000 | 656,000 | 1,015,000 | 1,394,000 |
| Net interest income | 2,553,000 | 4,957,000 | 7,433,000 | 9,893,000 |
| Noninterest income | 428,000 | 888,000 | 1,351,000 | 1,793,000 |
| Noninterest expense | 1,937,000 | 3,879,000 | 5,868,000 | 7,945,000 |
| Provision for loan losses | 105,000 | 210,000 | 1,915,000 | 2,260,000 |
| Pretax income | 939,000 | 1,756,000 | 1,001,000 | 1,481,000 |
| Income tax | 256,000 | 408,000 | 1,000 | 75,000 |
| Net income | 683,000 | 1,348,000 | 1,000,000 | 1,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,018,000 | 33,672,000 | 33,336,000 | 32,860,000 |
| Total capital | 35,159,000 | 35,783,000 | 35,205,000 | 34,699,000 |
| Risk-weighted assets | 188,479,000 | 190,930,000 | 196,408,000 | 200,905,000 |