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 | 57,694,000 | 57,613,000 | 55,325,000 | 54,326,000 |
| Total loans | 35,145,000 | 35,490,000 | 34,794,000 | 34,582,000 |
| Allowance for loan losses | 135,000 | 129,000 | 108,000 | 136,000 |
| Securities available for sale | 12,341,000 | 11,682,000 | 11,945,000 | 10,425,000 |
| Securities held to maturity | 354,000 | 332,000 | 296,000 | 278,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,985,000 | 47,944,000 | 47,472,000 | 46,418,000 |
| Interest-bearing deposits | 39,924,000 | 39,487,000 | 38,977,000 | 37,651,000 |
| Noninterest-bearing deposits | 8,061,000 | 8,457,000 | 8,495,000 | 8,767,000 |
| Equity capital | 7,583,000 | 7,595,000 | 7,705,000 | 7,717,000 |
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 | 558,000 | 1,106,000 | 1,646,000 | 2,188,000 |
| Interest expense | 55,000 | 102,000 | 145,000 | 181,000 |
| Net interest income | 503,000 | 1,004,000 | 1,501,000 | 2,007,000 |
| Noninterest income | 59,000 | 99,000 | 134,000 | 189,000 |
| Noninterest expense | 423,000 | 843,000 | 1,282,000 | 1,741,000 |
| Provision for loan losses | 6,000 | 8,000 | 8,000 | 59,000 |
| Pretax income | 133,000 | 252,000 | 345,000 | 396,000 |
| Income tax | 27,000 | 50,000 | 65,000 | 65,000 |
| Net income | 106,000 | 202,000 | 280,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,460,000 | 7,556,000 | 7,635,000 | 7,685,000 |
| Total capital | 7,595,000 | 7,685,000 | 7,743,000 | 7,821,000 |
| Risk-weighted assets | 28,712,000 | 31,158,000 | 31,020,000 | 28,961,000 |