Call reports 2022
LIBERTY BANK N.A. — 2022
What LIBERTY BANK N.A. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 315,984,000 | 338,184,000 | 589,693,000 | 552,488,000 |
| Total loans | 222,492,000 | 268,766,000 | 471,995,000 | 469,122,000 |
| Allowance for loan losses | 2,790,000 | 3,960,000 | 4,090,000 | 4,085,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,633,000 | 268,191,000 | 500,941,000 | 463,145,000 |
| Interest-bearing deposits | 241,043,000 | 263,812,000 | 406,525,000 | 373,162,000 |
| Noninterest-bearing deposits | 4,590,000 | 4,379,000 | 94,416,000 | 89,983,000 |
| Equity capital | 69,425,000 | 67,983,000 | 80,371,000 | 84,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 777,000 | 3,483,000 | 8,289,000 | 14,870,000 |
| Interest expense | 194,000 | 661,000 | 1,491,000 | 2,545,000 |
| Net interest income | 583,000 | 2,822,000 | 6,798,000 | 12,325,000 |
| Noninterest income | 9,000 | 20,000 | 201,000 | 330,000 |
| Noninterest expense | 2,270,000 | 4,870,000 | 9,880,000 | 14,522,000 |
| Provision for loan losses | 1,930,000 | 3,100,000 | 3,230,000 | 3,320,000 |
| Pretax income | -3,609,000 | -5,129,000 | -6,112,000 | -5,188,000 |
| Income tax | 1,000 | 1,000 | 1,000 | -2,758,000 |
| Net income | -3,610,000 | -5,130,000 | -6,113,000 | -2,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,925,000 | 65,483,000 | 69,385,000 | 73,241,000 |
| Total capital | 69,785,000 | 68,928,000 | 73,688,000 | 77,574,000 |
| Risk-weighted assets | 228,836,000 | 275,015,000 | 496,452,000 | 497,875,000 |