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 | 108,459,000 | 108,189,000 | 107,208,000 | 107,287,000 |
| Total loans | 48,582,000 | 50,444,000 | 51,024,000 | 50,973,000 |
| Allowance for loan losses | 506,000 | 510,000 | 550,000 | 531,000 |
| Securities available for sale | 40,819,000 | 41,406,000 | 39,397,000 | 38,784,000 |
| Securities held to maturity | 3,785,000 | 3,710,000 | 3,483,000 | 3,077,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,733,000 | 93,165,000 | 91,784,000 | 91,812,000 |
| Interest-bearing deposits | 75,988,000 | 75,182,000 | 73,603,000 | 74,033,000 |
| Noninterest-bearing deposits | 17,745,000 | 17,983,000 | 18,181,000 | 17,779,000 |
| Equity capital | 14,400,000 | 14,695,000 | 15,034,000 | 15,052,000 |
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 | 1,215,000 | 2,459,000 | 3,717,000 | 4,956,000 |
| Interest expense | 99,000 | 196,000 | 294,000 | 392,000 |
| Net interest income | 1,116,000 | 2,263,000 | 3,423,000 | 4,564,000 |
| Noninterest income | 139,000 | 311,000 | 475,000 | 652,000 |
| Noninterest expense | 864,000 | 1,790,000 | 2,729,000 | 3,593,000 |
| Provision for loan losses | 50,000 | 80,000 | 160,000 | 180,000 |
| Pretax income | 341,000 | 704,000 | 1,038,000 | 1,472,000 |
| Income tax | 101,000 | 154,000 | 257,000 | 373,000 |
| Net income | 240,000 | 550,000 | 781,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,370,000 | 14,468,000 | 14,699,000 | 14,496,000 |
| Total capital | 14,876,000 | 14,978,000 | 15,249,000 | 15,027,000 |
| Risk-weighted assets | 69,054,000 | 70,462,000 | 70,439,000 | 71,591,000 |