Call reports 2015
LIBERTY BANK — 2015
What LIBERTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 3,850,266,000 | 3,981,594,000 | 3,962,626,000 | 3,987,715,000 |
| Total loans | 2,914,635,000 | 3,018,438,000 | 2,953,625,000 | 2,953,604,000 |
| Allowance for loan losses | 37,885,000 | 38,212,000 | 35,653,000 | 32,616,000 |
| Securities available for sale | 737,864,000 | 737,370,000 | 716,301,000 | 732,369,000 |
| Securities held to maturity | 1,950,000 | 1,900,000 | 1,950,000 | 1,975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,933,724,000 | 2,946,121,000 | 2,887,816,000 | 2,984,502,000 |
| Interest-bearing deposits | 2,299,980,000 | 2,277,560,000 | 2,259,532,000 | 2,270,780,000 |
| Noninterest-bearing deposits | 633,744,000 | 668,561,000 | 628,284,000 | 713,722,000 |
| Equity capital | 600,196,000 | 606,472,000 | 603,586,000 | 614,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 32,626,000 | 66,012,000 | 100,489,000 | 133,683,000 |
| Interest expense | 3,696,000 | 7,742,000 | 11,895,000 | 16,160,000 |
| Net interest income | 28,930,000 | 58,270,000 | 88,594,000 | 117,523,000 |
| Noninterest income | 6,466,000 | 14,763,000 | 22,891,000 | 29,746,000 |
| Noninterest expense | 28,509,000 | 56,625,000 | 84,598,000 | 114,274,000 |
| Provision for loan losses | 1,000,000 | 2,000,000 | 0 | -2,000,000 |
| Pretax income | 6,737,000 | 16,632,000 | 30,571,000 | 41,135,000 |
| Income tax | 2,156,000 | 5,322,000 | 10,205,000 | 13,841,000 |
| Net income | 4,581,000 | 11,310,000 | 20,366,000 | 27,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 578,223,000 | 584,986,000 | 594,073,000 | 601,028,000 |
| Total capital | 639,608,000 | 646,676,000 | 644,834,000 | 650,256,000 |
| Risk-weighted assets | 3,668,877,000 | 3,758,952,000 | 3,628,105,000 | 3,595,911,000 |