Call reports 2015
LIBERTY TRUST & SAVINGS BANK — 2015
What LIBERTY TRUST & SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 146,959,000 | 148,000,000 | 148,816,000 | 150,389,000 |
| Total loans | 69,515,000 | 72,599,000 | 72,302,000 | 73,311,000 |
| Allowance for loan losses | 1,256,000 | 1,264,000 | 1,274,000 | 1,282,000 |
| Securities available for sale | 67,778,000 | 65,905,000 | 67,824,000 | 66,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,883,000 | 117,095,000 | 113,005,000 | 115,894,000 |
| Interest-bearing deposits | 94,633,000 | 96,457,000 | 92,230,000 | 93,977,000 |
| Noninterest-bearing deposits | 22,250,000 | 20,638,000 | 20,775,000 | 21,917,000 |
| Equity capital | 26,255,000 | 25,951,000 | 26,569,000 | 26,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,291,000 | 2,623,000 | 3,959,000 | 5,299,000 |
| Interest expense | 125,000 | 252,000 | 379,000 | 510,000 |
| Net interest income | 1,166,000 | 2,371,000 | 3,580,000 | 4,789,000 |
| Noninterest income | 147,000 | 262,000 | 390,000 | 522,000 |
| Noninterest expense | 708,000 | 1,400,000 | 2,113,000 | 2,995,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 605,000 | 1,233,000 | 1,857,000 | 2,316,000 |
| Income tax | 154,000 | 317,000 | 479,000 | 575,000 |
| Net income | 451,000 | 916,000 | 1,378,000 | 1,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,683,000 | 25,148,000 | 25,417,000 | 25,780,000 |
| Total capital | 25,713,000 | 26,216,000 | 26,481,000 | 26,860,000 |
| Risk-weighted assets | 82,193,000 | 85,274,000 | 84,848,000 | 86,192,000 |