Call reports 2020
LIBERTY BANK, INC. — 2020
What LIBERTY BANK, INC. 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 | 9,570,000 | 9,810,000 | 10,894,000 | 12,014,000 |
| Total loans | 4,684,000 | 5,622,000 | 5,719,000 | 6,251,000 |
| Allowance for loan losses | 229,000 | 207,000 | 229,000 | 226,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 933,000 | 865,000 | 797,000 | 721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,676,000 | 9,174,000 | 10,193,000 | 9,911,000 |
| Interest-bearing deposits | 7,911,000 | 8,493,000 | 9,412,000 | 9,219,000 |
| Noninterest-bearing deposits | 765,000 | 681,000 | 781,000 | 692,000 |
| Equity capital | 844,000 | 564,000 | 597,000 | 1,927,000 |
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 | 111,000 | 216,000 | 322,000 | 441,000 |
| Interest expense | 45,000 | 90,000 | 136,000 | 178,000 |
| Net interest income | 66,000 | 126,000 | 186,000 | 263,000 |
| Noninterest income | 134,000 | 224,000 | 339,000 | 866,000 |
| Noninterest expense | 440,000 | 846,000 | 1,282,000 | 2,097,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -240,000 | -496,000 | -757,000 | -968,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -240,000 | -496,000 | -757,000 | -968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 844,000 | 564,000 | 597,000 | 1,927,000 |
| Total capital | 906,000 | 635,000 | 668,000 | 2,026,000 |
| Risk-weighted assets | 4,817,000 | 5,559,000 | 5,560,000 | 7,829,000 |