Call reports 2015
LIBERTY BANK — 2015
What LIBERTY 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 | 78,272,000 | 79,672,000 | 77,395,000 | 78,553,000 |
| Total loans | 56,592,000 | 57,523,000 | 59,347,000 | 56,026,000 |
| Allowance for loan losses | 687,000 | 687,000 | 705,000 | 715,000 |
| Securities available for sale | 8,344,000 | 9,060,000 | 6,368,000 | 7,095,000 |
| Securities held to maturity | 4,176,000 | 4,062,000 | 3,935,000 | 3,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,110,000 | 62,353,000 | 61,109,000 | 59,788,000 |
| Interest-bearing deposits | 49,131,000 | 46,540,000 | 46,875,000 | 44,881,000 |
| Noninterest-bearing deposits | 15,979,000 | 15,813,000 | 14,234,000 | 14,907,000 |
| Equity capital | 7,944,000 | 7,914,000 | 8,062,000 | 8,559,000 |
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 | 859,000 | 1,729,000 | 2,637,000 | 3,530,000 |
| Interest expense | 81,000 | 170,000 | 257,000 | 349,000 |
| Net interest income | 778,000 | 1,559,000 | 2,380,000 | 3,181,000 |
| Noninterest income | 19,000 | 38,000 | 64,000 | 81,000 |
| Noninterest expense | 763,000 | 1,552,000 | 2,305,000 | 3,050,000 |
| Provision for loan losses | 27,000 | 27,000 | 45,000 | 55,000 |
| Pretax income | 34,000 | 62,000 | 139,000 | 202,000 |
| Income tax | 0 | 0 | 0 | -500,000 |
| Net income | 34,000 | 62,000 | 139,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,792,000 | 7,824,000 | 7,911,000 | 8,094,000 |
| Total capital | 8,487,000 | 8,519,000 | 8,624,000 | 8,817,000 |
| Risk-weighted assets | 57,130,000 | 60,918,000 | 61,163,000 | 59,811,000 |