Call reports 2014
LIBERTY BANK AND TRUST COMPANY — 2014
What LIBERTY BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 563,028,000 | 591,180,000 | 552,081,000 | 581,928,000 |
| Total loans | 283,006,000 | 279,100,000 | 274,719,000 | 282,277,000 |
| Allowance for loan losses | 9,334,000 | 8,262,000 | 7,999,000 | 8,075,000 |
| Securities available for sale | 225,663,000 | 244,111,000 | 234,539,000 | 229,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,021,000 | 514,358,000 | 484,491,000 | 479,345,000 |
| Interest-bearing deposits | 388,829,000 | 404,219,000 | 392,879,000 | 379,954,000 |
| Noninterest-bearing deposits | 95,192,000 | 110,139,000 | 91,612,000 | 99,391,000 |
| Equity capital | 44,245,000 | 47,025,000 | 47,360,000 | 48,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,207,000 | 12,443,000 | 18,978,000 | 25,248,000 |
| Interest expense | 725,000 | 1,438,000 | 2,159,000 | 2,881,000 |
| Net interest income | 5,482,000 | 11,005,000 | 16,819,000 | 22,367,000 |
| Noninterest income | 1,171,000 | 1,824,000 | 2,522,000 | 4,146,000 |
| Noninterest expense | 4,981,000 | 10,030,000 | 15,153,000 | 21,017,000 |
| Provision for loan losses | 250,000 | 250,000 | 250,000 | 625,000 |
| Pretax income | 1,405,000 | 2,640,000 | 4,413,000 | 6,460,000 |
| Income tax | 0 | 0 | 200,000 | -149,000 |
| Net income | 1,405,000 | 2,640,000 | 4,213,000 | 6,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,069,000 | 46,201,000 | 47,535,000 | 48,933,000 |
| Total capital | 49,124,000 | 50,177,000 | 51,390,000 | 52,688,000 |
| Risk-weighted assets | 319,104,000 | 313,819,000 | 304,215,000 | 296,070,000 |
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