Call reports 2019
LIBERTY BANK — 2019
What LIBERTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 52,119,000 | 52,511,000 | 52,171,000 | 50,647,000 |
| Total loans | 32,761,000 | 33,197,000 | 33,502,000 | 33,594,000 |
| Allowance for loan losses | 105,000 | 106,000 | 111,000 | 109,000 |
| Securities available for sale | 5,974,000 | 5,807,000 | 5,617,000 | 5,402,000 |
| Securities held to maturity | 67,000 | 62,000 | 57,000 | 53,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,444,000 | 43,165,000 | 42,696,000 | 41,591,000 |
| Interest-bearing deposits | 32,989,000 | 32,906,000 | 32,577,000 | 31,596,000 |
| Noninterest-bearing deposits | 9,455,000 | 10,259,000 | 10,119,000 | 9,995,000 |
| Equity capital | 8,585,000 | 8,728,000 | 8,822,000 | 8,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 548,000 | 1,087,000 | 1,624,000 | 2,139,000 |
| Interest expense | 44,000 | 94,000 | 150,000 | 205,000 |
| Net interest income | 504,000 | 993,000 | 1,474,000 | 1,934,000 |
| Noninterest income | 30,000 | 68,000 | 104,000 | 158,000 |
| Noninterest expense | 444,000 | 887,000 | 1,339,000 | 1,784,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 23,000 |
| Pretax income | 82,000 | 166,000 | 231,000 | 285,000 |
| Income tax | 7,000 | 13,000 | 16,000 | 16,000 |
| Net income | 75,000 | 153,000 | 215,000 | 269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,659,000 | 8,736,000 | 8,798,000 | 8,852,000 |
| Total capital | 8,764,000 | 8,842,000 | 8,909,000 | 8,961,000 |
| Risk-weighted assets | 28,491,000 | 29,649,000 | 30,638,000 | 30,495,000 |