Call reports 2014
LIBERTY BANK — 2014
What LIBERTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 56,874,000 | 60,232,000 | 59,955,000 | 56,966,000 |
| Total loans | 33,728,000 | 33,942,000 | 34,846,000 | 35,019,000 |
| Allowance for loan losses | 122,000 | 124,000 | 126,000 | 130,000 |
| Securities available for sale | 8,609,000 | 12,826,000 | 12,898,000 | 12,801,000 |
| Securities held to maturity | 540,000 | 458,000 | 426,000 | 380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,657,000 | 48,797,000 | 48,424,000 | 47,311,000 |
| Interest-bearing deposits | 40,526,000 | 41,273,000 | 40,950,000 | 39,355,000 |
| Noninterest-bearing deposits | 7,131,000 | 7,524,000 | 7,474,000 | 7,956,000 |
| Equity capital | 6,824,000 | 6,962,000 | 7,033,000 | 7,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 534,000 | 1,088,000 | 1,631,000 | 2,194,000 |
| Interest expense | 78,000 | 149,000 | 213,000 | 274,000 |
| Net interest income | 456,000 | 939,000 | 1,418,000 | 1,920,000 |
| Noninterest income | 38,000 | 80,000 | 118,000 | 147,000 |
| Noninterest expense | 439,000 | 912,000 | 1,359,000 | 1,845,000 |
| Provision for loan losses | 0 | 2,000 | 4,000 | 11,000 |
| Pretax income | 55,000 | 105,000 | 173,000 | 211,000 |
| Income tax | 11,000 | 22,000 | 32,000 | -8,000 |
| Net income | 44,000 | 83,000 | 141,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,861,000 | 6,901,000 | 6,982,000 | 7,354,000 |
| Total capital | 6,983,000 | 7,025,000 | 7,108,000 | 7,484,000 |
| Risk-weighted assets | 26,450,000 | 26,615,000 | 26,958,000 | 26,848,000 |