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 | 111,055,000 | 111,698,000 | 111,983,000 | 114,384,000 |
| Total loans | 53,297,000 | 60,259,000 | 61,700,000 | 60,665,000 |
| Allowance for loan losses | 543,000 | 545,000 | 626,000 | 614,000 |
| Securities available for sale | 38,799,000 | 29,490,000 | 29,483,000 | 30,650,000 |
| Securities held to maturity | 3,024,000 | 2,959,000 | 2,889,000 | 2,842,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,123,000 | 96,149,000 | 96,335,000 | 99,018,000 |
| Interest-bearing deposits | 75,205,000 | 75,586,000 | 76,076,000 | 76,598,000 |
| Noninterest-bearing deposits | 19,917,000 | 20,563,000 | 20,259,000 | 22,420,000 |
| Equity capital | 15,362,000 | 15,306,000 | 15,367,000 | 15,138,000 |
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 | 1,247,000 | 2,526,000 | 3,848,000 | 5,156,000 |
| Interest expense | 98,000 | 199,000 | 303,000 | 410,000 |
| Net interest income | 1,149,000 | 2,327,000 | 3,545,000 | 4,746,000 |
| Noninterest income | 183,000 | 366,000 | 584,000 | 794,000 |
| Noninterest expense | 1,063,000 | 2,239,000 | 3,370,000 | 4,422,000 |
| Provision for loan losses | 40,000 | 180,000 | 308,000 | 324,000 |
| Pretax income | 229,000 | 423,000 | 601,000 | 943,000 |
| Income tax | 28,000 | -24,000 | -33,000 | 32,000 |
| Net income | 201,000 | 447,000 | 634,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,697,000 | 14,944,000 | 14,713,000 | 14,719,000 |
| Total capital | 15,240,000 | 15,489,000 | 15,339,000 | 15,333,000 |
| Risk-weighted assets | 83,911,000 | 82,716,000 | 82,412,000 | 78,605,000 |