Call reports 2019
LIBERTY BANK AND TRUST COMPANY — 2019
What LIBERTY BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 601,406,000 | 593,334,000 | 627,810,000 | 600,885,000 |
| Total loans | 332,080,000 | 342,304,000 | 337,480,000 | 344,573,000 |
| Allowance for loan losses | 5,009,000 | 4,859,000 | 4,496,000 | 4,570,000 |
| Securities available for sale | 191,740,000 | 181,135,000 | 181,780,000 | 172,193,000 |
| Securities held to maturity | 2,400,000 | 2,400,000 | 1,800,000 | 1,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 516,046,000 | 509,358,000 | 541,005,000 | 514,765,000 |
| Interest-bearing deposits | 410,208,000 | 398,703,000 | 427,726,000 | 405,995,000 |
| Noninterest-bearing deposits | 105,838,000 | 110,655,000 | 113,279,000 | 108,770,000 |
| Equity capital | 54,128,000 | 57,393,000 | 59,598,000 | 58,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,579,000 | 13,449,000 | 20,496,000 | 27,614,000 |
| Interest expense | 992,000 | 1,995,000 | 2,921,000 | 4,131,000 |
| Net interest income | 5,587,000 | 11,454,000 | 17,575,000 | 23,483,000 |
| Noninterest income | 1,014,000 | 1,989,000 | 2,952,000 | 5,938,000 |
| Noninterest expense | 5,370,000 | 10,909,000 | 16,495,000 | 23,253,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 1,231,000 | 2,509,000 | 4,011,000 | 5,648,000 |
| Income tax | 0 | 0 | 0 | 972,000 |
| Net income | 1,231,000 | 2,509,000 | 4,011,000 | 4,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,508,000 | 55,786,000 | 57,288,000 | 56,504,000 |
| Total capital | 58,873,000 | 60,307,000 | 61,771,000 | 61,074,000 |
| Risk-weighted assets | 348,606,000 | 361,408,000 | 358,669,000 | 396,286,000 |