Call reports 2014
LIBERTY TRUST & SAVINGS BANK — 2014
What LIBERTY TRUST & SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 144,728,000 | 142,565,000 | 142,203,000 | 144,935,000 |
| Total loans | 65,669,000 | 65,496,000 | 65,445,000 | 70,122,000 |
| Allowance for loan losses | 1,226,000 | 1,235,000 | 1,248,000 | 1,248,000 |
| Securities available for sale | 68,474,000 | 68,143,000 | 67,581,000 | 66,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,576,000 | 116,845,000 | 113,612,000 | 116,496,000 |
| Interest-bearing deposits | 99,649,000 | 98,330,000 | 93,689,000 | 94,277,000 |
| Noninterest-bearing deposits | 18,927,000 | 18,515,000 | 19,923,000 | 22,219,000 |
| Equity capital | 23,362,000 | 24,389,000 | 24,742,000 | 25,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,290,000 | 2,590,000 | 3,880,000 | 5,184,000 |
| Interest expense | 139,000 | 279,000 | 413,000 | 548,000 |
| Net interest income | 1,151,000 | 2,311,000 | 3,467,000 | 4,636,000 |
| Noninterest income | 119,000 | 239,000 | 366,000 | 498,000 |
| Noninterest expense | 694,000 | 1,348,000 | 2,051,000 | 2,845,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 576,000 | 1,202,000 | 1,782,000 | 2,289,000 |
| Income tax | 138,000 | 296,000 | 440,000 | 555,000 |
| Net income | 438,000 | 906,000 | 1,342,000 | 1,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,323,000 | 23,791,000 | 24,034,000 | 24,425,000 |
| Total capital | 24,321,000 | 24,777,000 | 25,014,000 | 25,458,000 |
| Risk-weighted assets | 79,599,000 | 78,692,000 | 78,131,000 | 82,413,000 |