Call reports 2020
LIBERTY BANK AND TRUST COMPANY — 2020
What LIBERTY BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 624,159,000 | 737,417,000 | 756,771,000 | 766,341,000 |
| Total loans | 339,804,000 | 418,081,000 | 424,879,000 | 433,024,000 |
| Allowance for loan losses | 4,274,000 | 4,509,000 | 4,962,000 | 5,754,000 |
| Securities available for sale | 170,501,000 | 169,082,000 | 144,581,000 | 134,147,000 |
| Securities held to maturity | 1,800,000 | 1,800,000 | 1,800,000 | 1,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 534,826,000 | 636,206,000 | 654,083,000 | 649,954,000 |
| Interest-bearing deposits | 415,117,000 | 486,673,000 | 503,909,000 | 506,143,000 |
| Noninterest-bearing deposits | 119,709,000 | 149,533,000 | 150,174,000 | 143,811,000 |
| Equity capital | 61,828,000 | 62,940,000 | 66,319,000 | 77,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,905,000 | 13,340,000 | 21,369,000 | 28,816,000 |
| Interest expense | 1,085,000 | 1,995,000 | 3,001,000 | 3,906,000 |
| Net interest income | 5,820,000 | 11,345,000 | 18,368,000 | 24,910,000 |
| Noninterest income | 898,000 | 1,642,000 | 2,725,000 | 5,997,000 |
| Noninterest expense | 5,442,000 | 10,695,000 | 16,657,000 | 23,939,000 |
| Provision for loan losses | 0 | 500,000 | 1,200,000 | 2,226,000 |
| Pretax income | 1,578,000 | 2,094,000 | 3,538,000 | 5,060,000 |
| Income tax | 0 | 0 | 0 | 862,000 |
| Net income | 1,578,000 | 2,094,000 | 3,538,000 | 4,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,336,000 | 55,806,000 | 59,713,000 | 71,465,000 |
| Total capital | 59,610,000 | 60,315,000 | 64,675,000 | 77,219,000 |
| Risk-weighted assets | 390,482,000 | 489,060,000 | 454,430,000 | 463,615,000 |