Call reports 2020
LIBERTY TRUST & SAVINGS BANK — 2020
What LIBERTY TRUST & SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 146,424,000 | 153,250,000 | 156,251,000 | 167,875,000 |
| Total loans | 83,491,000 | 87,259,000 | 83,815,000 | 80,064,000 |
| Allowance for loan losses | 1,435,000 | 1,433,000 | 1,433,000 | 1,426,000 |
| Securities available for sale | 44,521,000 | 45,611,000 | 48,235,000 | 63,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,624,000 | 119,868,000 | 122,514,000 | 133,837,000 |
| Interest-bearing deposits | 89,839,000 | 93,843,000 | 96,352,000 | 101,785,000 |
| Noninterest-bearing deposits | 23,785,000 | 26,025,000 | 26,162,000 | 32,052,000 |
| Equity capital | 31,949,000 | 32,496,000 | 32,814,000 | 33,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,378,000 | 2,717,000 | 4,169,000 | 5,435,000 |
| Interest expense | 165,000 | 290,000 | 407,000 | 532,000 |
| Net interest income | 1,213,000 | 2,427,000 | 3,762,000 | 4,903,000 |
| Noninterest income | 100,000 | 176,000 | 274,000 | 399,000 |
| Noninterest expense | 688,000 | 1,373,000 | 2,164,000 | 3,103,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 592,000 | 1,210,000 | 1,852,000 | 2,191,000 |
| Income tax | 125,000 | 244,000 | 373,000 | 420,000 |
| Net income | 467,000 | 966,000 | 1,479,000 | 1,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,729,000 | 31,110,000 | 31,401,000 | 31,694,000 |