Call reports 2023
LIBERTY BANK AND TRUST COMPANY — 2023
What LIBERTY BANK AND TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,071,928,000 | 1,077,834,000 | 1,034,805,000 | 1,048,899,000 |
| Total loans | 546,604,000 | 557,661,000 | 566,088,000 | 576,162,000 |
| Allowance for loan losses | 6,926,000 | 7,057,000 | 6,966,000 | 7,539,000 |
| Securities available for sale | 414,936,000 | 404,989,000 | 372,733,000 | 363,899,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 1,176,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 942,636,000 | 949,649,000 | 906,854,000 | 906,793,000 |
| Interest-bearing deposits | 655,678,000 | 665,775,000 | 644,273,000 | 637,219,000 |
| Noninterest-bearing deposits | 286,958,000 | 283,874,000 | 262,581,000 | 269,574,000 |
| Equity capital | 98,756,000 | 98,648,000 | 97,919,000 | 103,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 11,104,000 | 22,801,000 | 34,512,000 | 47,166,000 |
| Interest expense | 900,000 | 2,372,000 | 4,463,000 | 6,828,000 |
| Net interest income | 10,204,000 | 20,429,000 | 30,049,000 | 40,338,000 |
| Noninterest income | 1,703,000 | 3,661,000 | 5,816,000 | 10,677,000 |
| Noninterest expense | 7,233,000 | 14,841,000 | 22,277,000 | 33,853,000 |
| Provision for loan losses | 300,000 | 670,000 | 970,000 | 1,988,000 |
| Pretax income | 4,374,000 | 8,579,000 | 12,618,000 | 15,174,000 |
| Income tax | 600,000 | 1,100,000 | 1,450,000 | 2,450,000 |
| Net income | 3,774,000 | 7,479,000 | 11,168,000 | 12,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,072,000 | 115,311,000 | 118,711,000 | 114,329,000 |
| Total capital | 118,998,000 | 122,341,000 | 125,677,000 | 121,583,000 |
| Risk-weighted assets | 571,378,000 | 562,398,000 | 570,640,000 | 580,072,000 |