Call reports 2014
LIBERTY BANK OF MARYLAND — 2014
What LIBERTY BANK OF MARYLAND 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 | 40,015,000 | 39,208,000 | 38,714,000 | 38,160,000 |
| Total loans | 27,514,000 | 27,081,000 | 25,852,000 | 26,391,000 |
| Allowance for loan losses | 354,000 | 357,000 | 219,000 | 221,000 |
| Securities available for sale | 5,548,000 | 5,413,000 | 3,198,000 | 2,664,000 |
| Securities held to maturity | 505,000 | 1,317,000 | 1,466,000 | 3,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,205,000 | 31,797,000 | 31,386,000 | 30,951,000 |
| Interest-bearing deposits | 32,971,000 | 31,552,000 | 31,145,000 | 30,621,000 |
| Noninterest-bearing deposits | 234,000 | 245,000 | 241,000 | 330,000 |
| Equity capital | 6,166,000 | 6,235,000 | 6,186,000 | 6,079,000 |
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 | 413,000 | 808,000 | 1,231,000 | 1,584,000 |
| Interest expense | 73,000 | 138,000 | 202,000 | 266,000 |
| Net interest income | 340,000 | 670,000 | 1,029,000 | 1,318,000 |
| Noninterest income | 4,000 | 13,000 | 18,000 | 37,000 |
| Noninterest expense | 333,000 | 669,000 | 1,046,000 | 1,470,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,000 | 14,000 | 102,000 | 19,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 11,000 | 14,000 | 102,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,960,000 | 5,963,000 | 6,053,000 | 5,967,000 |
| Total capital | 6,186,000 | 6,180,000 | 6,261,000 | 6,183,000 |
| Risk-weighted assets | 17,969,000 | 17,213,000 | 16,707,000 | 17,314,000 |