Call reports 2015
LIBERTY BANK, INC. — 2015
What LIBERTY BANK, INC. 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 | 10,653,000 | 10,279,000 | 10,958,000 | 11,397,000 |
| Total loans | 4,408,000 | 5,409,000 | 6,031,000 | 6,148,000 |
| Allowance for loan losses | 284,000 | 285,000 | 285,000 | 286,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 717,000 | 704,000 | 686,000 | 972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,495,000 | 9,195,000 | 9,937,000 | 10,279,000 |
| Interest-bearing deposits | 9,127,000 | 8,906,000 | 9,696,000 | 10,005,000 |
| Noninterest-bearing deposits | 368,000 | 289,000 | 241,000 | 274,000 |
| Equity capital | 1,097,000 | 1,002,000 | 949,000 | 857,000 |
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 | 136,000 | 279,000 | 458,000 | 605,000 |
| Interest expense | 14,000 | 31,000 | 49,000 | 70,000 |
| Net interest income | 122,000 | 248,000 | 409,000 | 535,000 |
| Noninterest income | 11,000 | 7,000 | 8,000 | 7,000 |
| Noninterest expense | 226,000 | 443,000 | 658,000 | 879,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -93,000 | -188,000 | -241,000 | -333,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -93,000 | -188,000 | -241,000 | -333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,097,000 | 1,002,000 | 949,000 | 857,000 |
| Total capital | 1,158,000 | 1,074,000 | 1,026,000 | 943,000 |
| Risk-weighted assets | 4,718,000 | 5,431,000 | 5,971,000 | 6,691,000 |