Call reports 2021
LIBERTY BANK AND TRUST COMPANY — 2021
What LIBERTY BANK AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 865,742,000 | 889,262,000 | 925,980,000 | 971,730,000 |
| Total loans | 430,648,000 | 441,087,000 | 473,906,000 | 509,736,000 |
| Allowance for loan losses | 5,593,000 | 5,734,000 | 5,678,000 | 7,143,000 |
| Securities available for sale | 169,255,000 | 190,990,000 | 202,753,000 | 269,361,000 |
| Securities held to maturity | 1,200,000 | 1,200,000 | 600,000 | 2,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 746,945,000 | 767,906,000 | 809,242,000 | 851,605,000 |
| Interest-bearing deposits | 529,043,000 | 544,413,000 | 569,761,000 | 587,786,000 |
| Noninterest-bearing deposits | 217,902,000 | 223,493,000 | 239,481,000 | 263,819,000 |
| Equity capital | 84,664,000 | 87,328,000 | 88,042,000 | 87,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,943,000 | 14,235,000 | 21,575,000 | 29,591,000 |
| Interest expense | 769,000 | 1,553,000 | 2,460,000 | 3,245,000 |
| Net interest income | 6,174,000 | 12,682,000 | 19,115,000 | 26,346,000 |
| Noninterest income | 901,000 | 1,889,000 | 3,059,000 | 8,626,000 |
| Noninterest expense | 5,606,000 | 11,409,000 | 17,155,000 | 25,959,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,826,000 |
| Pretax income | 1,471,000 | 3,145,000 | 5,019,000 | 7,090,000 |
| Income tax | 0 | 0 | 0 | 1,269,000 |
| Net income | 1,471,000 | 3,145,000 | 5,019,000 | 5,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,987,000 | 82,928,000 | 84,865,000 | 83,784,000 |
| Total capital | 86,580,000 | 88,321,000 | 90,543,000 | 90,124,000 |
| Risk-weighted assets | 539,005,000 | 431,155,000 | 488,494,000 | 506,468,000 |