Call reports 2015
LIVERPOOL COMMUNITY BANK — 2015
What LIVERPOOL COMMUNITY 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 | 44,169,000 | 43,934,000 | 44,831,000 | 44,464,000 |
| Total loans | 32,762,000 | 33,714,000 | 33,859,000 | 33,636,000 |
| Allowance for loan losses | 465,000 | 452,000 | 442,000 | 422,000 |
| Securities available for sale | 5,064,000 | 5,440,000 | 3,927,000 | 4,244,000 |
| Securities held to maturity | 1,235,000 | 950,000 | 950,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,075,000 | 34,657,000 | 35,469,000 | 34,949,000 |
| Interest-bearing deposits | 29,404,000 | 29,197,000 | 28,762,000 | 28,655,000 |
| Noninterest-bearing deposits | 5,671,000 | 5,460,000 | 6,707,000 | 6,294,000 |
| Equity capital | 8,673,000 | 8,805,000 | 8,921,000 | 9,050,000 |
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 | 484,000 | 976,000 | 1,471,000 | 1,951,000 |
| Interest expense | 55,000 | 110,000 | 165,000 | 219,000 |
| Net interest income | 429,000 | 866,000 | 1,306,000 | 1,732,000 |
| Noninterest income | 57,000 | 89,000 | 137,000 | 178,000 |
| Noninterest expense | 299,000 | 550,000 | 834,000 | 1,075,000 |
| Provision for loan losses | 0 | -13,000 | -23,000 | -43,000 |
| Pretax income | 187,000 | 418,000 | 632,000 | 878,000 |
| Income tax | 61,000 | 134,000 | 195,000 | 270,000 |
| Net income | 126,000 | 284,000 | 437,000 | 608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,655,000 | 8,781,000 | 8,904,000 | 9,044,000 |
| Total capital | 8,962,000 | 9,100,000 | 9,223,000 | 9,360,000 |
| Risk-weighted assets | 24,482,000 | 25,320,000 | 25,259,000 | 25,211,000 |