Call reports 2014
LIBERTY BANK N.A. — 2014
What LIBERTY BANK N.A. 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 | 479,357,000 | 516,440,000 | 540,397,000 | 601,914,000 |
| Total loans | 407,963,000 | 427,888,000 | 444,920,000 | 486,199,000 |
| Allowance for loan losses | 4,634,000 | 4,834,000 | 5,109,000 | 5,609,000 |
| Securities available for sale | 21,928,000 | 24,711,000 | 43,332,000 | 52,105,000 |
| Securities held to maturity | 122,000 | 122,000 | 121,000 | 121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,237,000 | 392,712,000 | 406,490,000 | 455,059,000 |
| Interest-bearing deposits | 362,935,000 | 386,668,000 | 398,951,000 | 443,326,000 |
| Noninterest-bearing deposits | 4,302,000 | 6,044,000 | 7,539,000 | 11,733,000 |
| Equity capital | 101,787,000 | 103,000,000 | 104,041,000 | 106,263,000 |
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 | 4,639,000 | 9,655,000 | 14,848,000 | 20,407,000 |
| Interest expense | 744,000 | 1,524,000 | 2,407,000 | 3,357,000 |
| Net interest income | 3,895,000 | 8,131,000 | 12,441,000 | 17,050,000 |
| Noninterest income | 225,000 | 850,000 | 1,266,000 | 3,467,000 |
| Noninterest expense | 2,668,000 | 5,336,000 | 7,919,000 | 10,806,000 |
| Provision for loan losses | 0 | 200,000 | 475,000 | 975,000 |
| Pretax income | 1,452,000 | 3,445,000 | 5,313,000 | 8,736,000 |
| Income tax | 522,000 | 1,261,000 | 1,949,000 | 3,210,000 |
| Net income | 930,000 | 2,184,000 | 3,364,000 | 5,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,525,000 | 102,780,000 | 103,959,000 | 106,121,000 |
| Total capital | 106,184,000 | 107,639,000 | 109,118,000 | 111,780,000 |
| Risk-weighted assets | 497,847,000 | 524,053,000 | 542,200,000 | 565,267,000 |