Call reports 2023
LIBERTY BANK N.A. — 2023
What LIBERTY BANK N.A. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 582,452,000 | 598,910,000 | 544,339,000 | 559,241,000 |
| Total loans | 477,864,000 | 463,015,000 | 446,641,000 | 467,858,000 |
| Allowance for loan losses | 6,101,000 | 5,994,000 | 5,859,000 | 6,015,000 |
| Securities available for sale | 0 | 0 | 8,794,000 | 8,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,941,000 | 462,325,000 | 458,334,000 | 449,820,000 |
| Interest-bearing deposits | 364,091,000 | 381,539,000 | 377,457,000 | 377,129,000 |
| Noninterest-bearing deposits | 81,850,000 | 80,786,000 | 80,877,000 | 72,691,000 |
| Equity capital | 82,454,000 | 81,628,000 | 80,603,000 | 71,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,996,000 | 12,757,000 | 19,489,000 | 26,116,000 |
| Interest expense | 1,863,000 | 5,317,000 | 8,483,000 | 12,177,000 |
| Net interest income | 4,133,000 | 7,440,000 | 11,006,000 | 13,939,000 |
| Noninterest income | 127,000 | 242,000 | 345,000 | 440,000 |
| Noninterest expense | 4,687,000 | 9,409,000 | 14,492,000 | 26,750,000 |
| Provision for loan losses | 450,000 | 450,000 | 450,000 | 800,000 |
| Pretax income | -877,000 | -2,177,000 | -3,591,000 | -13,171,000 |
| Income tax | -262,000 | -655,000 | -1,074,000 | -1,739,000 |
| Net income | -615,000 | -1,522,000 | -2,517,000 | -11,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,682,000 | 70,960,000 | 70,150,000 | 68,786,000 |
| Total capital | 77,873,000 | 77,044,000 | 76,131,000 | 74,920,000 |
| Risk-weighted assets | 499,223,000 | 489,838,000 | 478,417,000 | 490,603,000 |