Call reports 2018
LIBERTY BANK AND TRUST COMPANY — 2018
What LIBERTY BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 602,669,000 | 594,531,000 | 596,695,000 | 592,545,000 |
| Total loans | 315,337,000 | 328,557,000 | 329,987,000 | 328,655,000 |
| Allowance for loan losses | 6,075,000 | 5,564,000 | 5,350,000 | 5,091,000 |
| Securities available for sale | 188,935,000 | 197,355,000 | 192,574,000 | 192,365,000 |
| Securities held to maturity | 3,000,000 | 3,000,000 | 2,400,000 | 2,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 551,905,000 | 543,039,000 | 534,746,000 | 515,289,000 |
| Interest-bearing deposits | 438,397,000 | 423,932,000 | 420,336,000 | 406,063,000 |
| Noninterest-bearing deposits | 113,508,000 | 119,107,000 | 114,410,000 | 109,226,000 |
| Equity capital | 47,787,000 | 48,448,000 | 48,843,000 | 50,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,602,000 | 13,219,000 | 20,160,000 | 27,196,000 |
| Interest expense | 846,000 | 1,689,000 | 2,583,000 | 3,600,000 |
| Net interest income | 5,756,000 | 11,530,000 | 17,577,000 | 23,596,000 |
| Noninterest income | 1,030,000 | 2,052,000 | 3,544,000 | 5,701,000 |
| Noninterest expense | 5,412,000 | 10,897,000 | 16,901,000 | 23,076,000 |
| Provision for loan losses | 100,000 | 100,000 | 200,000 | 460,000 |
| Pretax income | 1,274,000 | 2,585,000 | 4,020,000 | 5,761,000 |
| Income tax | 0 | 0 | 0 | 972,000 |
| Net income | 1,274,000 | 2,585,000 | 4,020,000 | 4,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,253,000 | 52,564,000 | 53,999,000 | 53,288,000 |
| Total capital | 55,464,000 | 56,923,000 | 58,373,000 | 57,607,000 |
| Risk-weighted assets | 335,027,000 | 347,527,000 | 348,961,000 | 344,780,000 |