Call reports 2020
LIBERTY BANK — 2020
What LIBERTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 145,671,000 | 159,986,000 | 158,035,000 | 164,410,000 |
| Total loans | 83,975,000 | 87,348,000 | 88,618,000 | 89,127,000 |
| Allowance for loan losses | 960,000 | 1,012,000 | 907,000 | 913,000 |
| Securities available for sale | 39,614,000 | 39,763,000 | 38,429,000 | 36,169,000 |
| Securities held to maturity | 2,543,000 | 1,766,000 | 1,242,000 | 1,242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,930,000 | 140,877,000 | 138,493,000 | 145,008,000 |
| Interest-bearing deposits | 85,927,000 | 104,111,000 | 102,972,000 | 105,229,000 |
| Noninterest-bearing deposits | 42,003,000 | 36,765,000 | 35,521,000 | 39,779,000 |
| Equity capital | 17,400,000 | 18,524,000 | 19,045,000 | 18,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,719,000 | 3,508,000 | 5,230,000 | 6,925,000 |
| Interest expense | 316,000 | 571,000 | 795,000 | 982,000 |
| Net interest income | 1,403,000 | 2,937,000 | 4,435,000 | 5,943,000 |
| Noninterest income | 245,000 | 449,000 | 673,000 | 903,000 |
| Noninterest expense | 1,212,000 | 2,490,000 | 3,687,000 | 4,940,000 |
| Provision for loan losses | 75,000 | 255,000 | 304,000 | 345,000 |
| Pretax income | 361,000 | 734,000 | 1,255,000 | 1,699,000 |
| Income tax | 22,000 | 118,000 | 177,000 | 279,000 |
| Net income | 339,000 | 616,000 | 1,078,000 | 1,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,180,000 | 17,172,000 | 17,918,000 | 17,738,000 |
| Total capital | 18,140,000 | 18,184,000 | 18,825,000 | 18,651,000 |
| Risk-weighted assets | 109,406,000 | 112,949,000 | 98,324,000 | 112,130,000 |