Call reports 2015
LIBERTY BANK OF MARYLAND — 2015
What LIBERTY BANK OF MARYLAND 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 | 38,680,000 | 38,839,000 | 38,189,000 | 37,757,000 |
| Total loans | 27,868,000 | 29,564,000 | 31,320,000 | 30,473,000 |
| Allowance for loan losses | 224,000 | 227,000 | 164,000 | 183,000 |
| Securities available for sale | 1,014,000 | 938,000 | 875,000 | 813,000 |
| Securities held to maturity | 2,650,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,542,000 | 32,784,000 | 30,168,000 | 30,047,000 |
| Interest-bearing deposits | 31,246,000 | 32,314,000 | 29,908,000 | 29,632,000 |
| Noninterest-bearing deposits | 296,000 | 470,000 | 260,000 | 415,000 |
| Equity capital | 5,994,000 | 5,896,000 | 5,824,000 | 5,810,000 |
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 | 377,000 | 752,000 | 1,127,000 | 1,513,000 |
| Interest expense | 60,000 | 119,000 | 180,000 | 238,000 |
| Net interest income | 317,000 | 633,000 | 947,000 | 1,275,000 |
| Noninterest income | 5,000 | 13,000 | 26,000 | 25,000 |
| Noninterest expense | 414,000 | 801,000 | 1,198,000 | 1,531,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -34,000 | -97,000 | -167,000 | -173,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -34,000 | -97,000 | -167,000 | -173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,932,000 | 5,844,000 | 5,774,000 | 5,768,000 |
| Total capital | 6,156,000 | 6,071,000 | 5,938,000 | 5,951,000 |
| Risk-weighted assets | 19,086,000 | 18,542,000 | 19,025,000 | 20,206,000 |