Call reports 2024
LIBERTY BANK AND TRUST COMPANY — 2024
What LIBERTY BANK AND TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,039,195,000 | 1,063,578,000 | 1,088,992,000 | 1,076,349,000 |
| Total loans | 593,923,000 | 611,593,000 | 642,685,000 | 630,458,000 |
| Allowance for loan losses | 7,279,000 | 7,143,000 | 6,876,000 | 8,059,000 |
| Securities available for sale | 338,394,000 | 315,650,000 | 312,702,000 | 294,641,000 |
| Securities held to maturity | 1,176,000 | 1,176,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 913,875,000 | 934,109,000 | 948,765,000 | 939,505,000 |
| Interest-bearing deposits | 657,210,000 | 673,870,000 | 697,230,000 | 703,129,000 |
| Noninterest-bearing deposits | 256,665,000 | 260,239,000 | 251,535,000 | 236,376,000 |
| Equity capital | 105,420,000 | 108,609,000 | 118,350,000 | 111,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 11,892,000 | 24,356,000 | 37,760,000 | 51,461,000 |
| Interest expense | 2,345,000 | 4,842,000 | 7,960,000 | 11,250,000 |
| Net interest income | 9,547,000 | 19,514,000 | 29,800,000 | 40,211,000 |
| Noninterest income | 1,737,000 | 3,313,000 | 5,610,000 | 12,495,000 |
| Noninterest expense | 7,921,000 | 15,820,000 | 24,173,000 | 35,928,000 |
| Provision for loan losses | 100,000 | 300,000 | 900,000 | 2,400,000 |
| Pretax income | 3,241,000 | 6,685,000 | 10,315,000 | 14,356,000 |
| Income tax | 200,000 | 400,000 | 400,000 | 1,400,000 |
| Net income | 3,041,000 | 6,285,000 | 9,915,000 | 12,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,307,000 | 120,656,000 | 124,448,000 | 119,793,000 |
| Total capital | 124,586,000 | 127,799,000 | 131,324,000 | 127,852,000 |
| Risk-weighted assets | 591,996,000 | 611,312,000 | 655,152,000 | 648,745,000 |