Call reports 2024
LIBERTY BANK N.A. — 2024
What LIBERTY BANK N.A. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 550,265,000 | 541,276,000 | 502,620,000 | 478,848,000 |
| Total loans | 458,191,000 | 446,818,000 | 440,121,000 | 415,977,000 |
| Allowance for loan losses | 5,942,000 | 5,269,000 | 4,272,000 | 4,227,000 |
| Securities available for sale | 8,694,000 | 8,664,000 | 8,592,000 | 7,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 473,729,000 | 464,612,000 | 427,639,000 | 403,019,000 |
| Interest-bearing deposits | 405,760,000 | 394,722,000 | 360,952,000 | 333,482,000 |
| Noninterest-bearing deposits | 67,969,000 | 69,890,000 | 66,687,000 | 69,537,000 |
| Equity capital | 70,191,000 | 69,719,000 | 68,798,000 | 63,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,494,000 | 13,205,000 | 19,789,000 | 25,946,000 |
| Interest expense | 3,998,000 | 8,236,000 | 12,304,000 | 15,666,000 |
| Net interest income | 2,496,000 | 4,969,000 | 7,485,000 | 10,280,000 |
| Noninterest income | 97,000 | 1,382,000 | 1,486,000 | 1,618,000 |
| Noninterest expense | 4,893,000 | 10,224,000 | 15,534,000 | 20,448,000 |
| Provision for loan losses | 0 | -600,000 | -1,600,000 | -1,600,000 |
| Pretax income | -2,300,000 | -3,073,000 | -4,763,000 | -6,750,000 |
| Income tax | -692,000 | -923,000 | -1,429,000 | 2,031,000 |
| Net income | -1,608,000 | -2,150,000 | -3,334,000 | -8,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,849,000 | 66,259,000 | 64,752,000 | 60,738,000 |
| Total capital | 72,010,000 | 71,170,000 | 69,139,000 | 65,080,000 |
| Risk-weighted assets | 411,843,000 | 392,430,000 | 388,195,000 | 360,055,000 |