Call reports 2015
LIBERTY BANK AND TRUST COMPANY — 2015
What LIBERTY BANK AND TRUST COMPANY 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 | 623,952,000 | 608,939,000 | 638,066,000 | 604,540,000 |
| Total loans | 309,692,000 | 309,131,000 | 306,489,000 | 289,742,000 |
| Allowance for loan losses | 7,693,000 | 7,593,000 | 7,683,000 | 7,782,000 |
| Securities available for sale | 250,256,000 | 249,409,000 | 242,454,000 | 243,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 544,348,000 | 520,492,000 | 552,348,000 | 534,688,000 |
| Interest-bearing deposits | 438,199,000 | 422,771,000 | 446,786,000 | 430,058,000 |
| Noninterest-bearing deposits | 106,149,000 | 97,721,000 | 105,562,000 | 104,630,000 |
| Equity capital | 51,317,000 | 48,866,000 | 51,528,000 | 48,499,000 |
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 | 6,297,000 | 13,143,000 | 19,682,000 | 26,005,000 |
| Interest expense | 733,000 | 1,541,000 | 2,345,000 | 3,138,000 |
| Net interest income | 5,564,000 | 11,602,000 | 17,337,000 | 22,867,000 |
| Noninterest income | 943,000 | 1,715,000 | 2,906,000 | 5,899,000 |
| Noninterest expense | 4,999,000 | 10,591,000 | 16,141,000 | 24,573,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,430,000 |
| Pretax income | 1,338,000 | 2,182,000 | 3,090,000 | 2,762,000 |
| Income tax | 0 | 0 | 0 | 545,000 |
| Net income | 1,338,000 | 2,182,000 | 3,090,000 | 2,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,085,000 | 50,835,000 | 51,558,000 | 49,641,000 |
| Total capital | 54,185,000 | 55,043,000 | 55,957,000 | 54,037,000 |
| Risk-weighted assets | 324,448,000 | 333,269,000 | 348,687,000 | 348,341,000 |