Call reports 2015
LIBERTY BANK N.A. — 2015
What LIBERTY BANK N.A. 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 | 634,470,000 | 670,057,000 | 708,265,000 | 776,043,000 |
| Total loans | 489,486,000 | 526,777,000 | 541,166,000 | 596,317,000 |
| Allowance for loan losses | 5,709,000 | 6,109,000 | 6,708,000 | 6,280,000 |
| Securities available for sale | 67,922,000 | 80,003,000 | 75,002,000 | 95,226,000 |
| Securities held to maturity | 120,000 | 119,000 | 118,000 | 118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 488,117,000 | 507,583,000 | 541,548,000 | 597,996,000 |
| Interest-bearing deposits | 481,212,000 | 493,007,000 | 532,254,000 | 586,909,000 |
| Noninterest-bearing deposits | 6,905,000 | 14,576,000 | 9,294,000 | 11,087,000 |
| Equity capital | 108,410,000 | 109,382,000 | 111,131,000 | 111,873,000 |
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 | 5,915,000 | 12,158,000 | 18,693,000 | 25,339,000 |
| Interest expense | 1,062,000 | 2,255,000 | 3,578,000 | 5,052,000 |
| Net interest income | 4,853,000 | 9,903,000 | 15,115,000 | 20,287,000 |
| Noninterest income | 893,000 | 1,244,000 | 1,656,000 | 2,118,000 |
| Noninterest expense | 2,909,000 | 5,723,000 | 8,543,000 | 11,260,000 |
| Provision for loan losses | 100,000 | 500,000 | 1,100,000 | 1,700,000 |
| Pretax income | 2,737,000 | 4,924,000 | 7,151,000 | 9,468,000 |
| Income tax | 1,008,000 | 1,898,000 | 2,737,000 | 3,610,000 |
| Net income | 1,729,000 | 3,026,000 | 4,414,000 | 5,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,851,000 | 109,147,000 | 110,535,000 | 111,979,000 |
| Total capital | 113,610,000 | 115,306,000 | 117,293,000 | 118,309,000 |
| Risk-weighted assets | 570,816,000 | 618,391,000 | 647,794,000 | 689,428,000 |