Call reports 2023
LIBERTY BANK, INC. — 2023
What LIBERTY BANK, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 11,610,000 | 10,752,000 | 12,775,000 | 12,365,000 |
| Total loans | 8,263,000 | 8,014,000 | 8,070,000 | 7,953,000 |
| Allowance for loan losses | 233,000 | 233,000 | 241,000 | 241,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 616,000 | 595,000 | 568,000 | 550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,504,000 | 9,937,000 | 11,522,000 | 11,487,000 |
| Interest-bearing deposits | 10,096,000 | 9,585,000 | 11,403,000 | 11,262,000 |
| Noninterest-bearing deposits | 408,000 | 352,000 | 119,000 | 225,000 |
| Equity capital | 984,000 | 635,000 | 1,064,000 | 614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 210,000 | 425,000 | 644,000 | 868,000 |
| Interest expense | 63,000 | 147,000 | 256,000 | 388,000 |
| Net interest income | 147,000 | 278,000 | 388,000 | 480,000 |
| Noninterest income | 24,000 | 76,000 | 857,000 | 880,000 |
| Noninterest expense | 434,000 | 966,000 | 1,428,000 | 1,993,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -263,000 | -612,000 | -183,000 | -633,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -263,000 | -612,000 | -183,000 | -633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 984,000 | 635,000 | 1,064,000 | 614,000 |
| Total capital | 1,093,000 | 739,000 | 1,174,000 | 721,000 |
| Risk-weighted assets | 8,612,000 | 8,224,000 | 8,671,000 | 8,463,000 |