Call reports 2022
LIBERTY BANK, INC. — 2022
What LIBERTY BANK, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 12,621,000 | 12,614,000 | 11,461,000 | 10,835,000 |
| Total loans | 7,480,000 | 7,746,000 | 7,624,000 | 8,230,000 |
| Allowance for loan losses | 211,000 | 212,000 | 213,000 | 233,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 425,000 | 691,000 | 662,000 | 638,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,985,000 | 10,808,000 | 9,993,000 | 9,408,000 |
| Interest-bearing deposits | 10,336,000 | 10,215,000 | 9,397,000 | 9,053,000 |
| Noninterest-bearing deposits | 649,000 | 593,000 | 596,000 | 355,000 |
| Equity capital | 1,422,000 | 1,504,000 | 1,319,000 | 1,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 130,000 | 269,000 | 429,000 | 607,000 |
| Interest expense | 29,000 | 58,000 | 95,000 | 137,000 |
| Net interest income | 101,000 | 211,000 | 334,000 | 470,000 |
| Noninterest income | 341,000 | 796,000 | 818,000 | 1,012,000 |
| Noninterest expense | 438,000 | 922,000 | 1,252,000 | 1,634,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 4,000 | 85,000 | -100,000 | -172,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,000 | 85,000 | -100,000 | -172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,422,000 | 1,504,000 | 1,319,000 | 1,247,000 |
| Total capital | 1,534,000 | 1,624,000 | 1,430,000 | 1,353,000 |
| Risk-weighted assets | 8,823,000 | 9,500,000 | 8,845,000 | 8,376,000 |