Call reports 2020
LIBERTY BANK N.A. — 2020
What LIBERTY BANK N.A. 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 | 115,375,000 | 122,731,000 | 115,713,000 | 107,951,000 |
| Total loans | 60,145,000 | 52,880,000 | 55,245,000 | 51,823,000 |
| Allowance for loan losses | 1,175,000 | 918,000 | 1,018,000 | 868,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 104,000 | 103,000 | 102,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,500,000 | 58,336,000 | 52,364,000 | 44,189,000 |
| Interest-bearing deposits | 52,927,000 | 55,751,000 | 49,834,000 | 42,321,000 |
| Noninterest-bearing deposits | 3,573,000 | 2,585,000 | 2,530,000 | 1,868,000 |
| Equity capital | 55,782,000 | 57,388,000 | 58,631,000 | 59,102,000 |
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 | 1,790,000 | 2,840,000 | 3,763,000 | 4,899,000 |
| Interest expense | 64,000 | 95,000 | 116,000 | 130,000 |
| Net interest income | 1,726,000 | 2,745,000 | 3,647,000 | 4,769,000 |
| Noninterest income | 259,000 | 2,118,000 | 3,794,000 | 4,011,000 |
| Noninterest expense | 989,000 | 1,909,000 | 2,655,000 | 3,480,000 |
| Provision for loan losses | 150,000 | -120,000 | -20,000 | -170,000 |
| Pretax income | 846,000 | 3,068,000 | 4,806,000 | 5,466,000 |
| Income tax | 235,000 | 851,000 | 1,346,000 | 1,535,000 |
| Net income | 611,000 | 2,217,000 | 3,460,000 | 3,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,782,000 | 57,388,000 | 58,631,000 | 59,102,000 |
| Total capital | 56,927,000 | 58,180,000 | 59,425,000 | 59,779,000 |
| Risk-weighted assets | 91,646,000 | 63,257,000 | 63,362,000 | 53,970,000 |