Call reports 2019
LIBERTY TRUST & SAVINGS BANK — 2019
What LIBERTY TRUST & SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 147,363,000 | 145,618,000 | 147,352,000 | 151,109,000 |
| Total loans | 83,592,000 | 86,482,000 | 81,576,000 | 83,791,000 |
| Allowance for loan losses | 1,443,000 | 1,443,000 | 1,439,000 | 1,435,000 |
| Securities available for sale | 52,635,000 | 51,032,000 | 50,810,000 | 47,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,808,000 | 111,091,000 | 115,805,000 | 119,227,000 |
| Interest-bearing deposits | 92,613,000 | 90,080,000 | 93,508,000 | 94,399,000 |
| Noninterest-bearing deposits | 21,195,000 | 21,011,000 | 22,297,000 | 24,828,000 |
| Equity capital | 31,194,000 | 30,370,000 | 30,763,000 | 31,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,400,000 | 2,818,000 | 4,237,000 | 5,643,000 |
| Interest expense | 203,000 | 405,000 | 610,000 | 798,000 |
| Net interest income | 1,197,000 | 2,413,000 | 3,627,000 | 4,845,000 |
| Noninterest income | 1,139,000 | 1,250,000 | 1,353,000 | 1,453,000 |
| Noninterest expense | 686,000 | 1,363,000 | 2,156,000 | 2,944,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,650,000 | 2,303,000 | 2,827,000 | 3,385,000 |
| Income tax | 120,000 | 251,000 | 377,000 | 447,000 |
| Net income | 1,530,000 | 2,052,000 | 2,450,000 | 2,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,178,000 | 29,844,000 | 30,021,000 | 30,509,000 |
| Total capital | 32,350,000 | 31,044,000 | 31,157,000 | 31,669,000 |
| Risk-weighted assets | 93,465,000 | 95,727,000 | 90,537,000 | 92,490,000 |