Call reports 2014
LIBERTY BANK MINNESOTA — 2014
What LIBERTY BANK MINNESOTA 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 | 193,614,000 | 185,044,000 | 184,856,000 | 189,743,000 |
| Total loans | 95,243,000 | 99,578,000 | 102,722,000 | 95,972,000 |
| Allowance for loan losses | 1,787,000 | 1,712,000 | 1,752,000 | 1,743,000 |
| Securities available for sale | 43,098,000 | 46,690,000 | 49,204,000 | 45,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,007,000 | 159,427,000 | 158,404,000 | 162,559,000 |
| Interest-bearing deposits | 135,576,000 | 131,007,000 | 126,882,000 | 129,944,000 |
| Noninterest-bearing deposits | 32,431,000 | 28,420,000 | 31,522,000 | 32,615,000 |
| Equity capital | 20,192,000 | 20,343,000 | 20,982,000 | 21,839,000 |
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 | 1,403,000 | 2,814,000 | 4,304,000 | 5,787,000 |
| Interest expense | 159,000 | 314,000 | 467,000 | 620,000 |
| Net interest income | 1,244,000 | 2,500,000 | 3,837,000 | 5,167,000 |
| Noninterest income | 1,557,000 | 2,559,000 | 4,002,000 | 5,432,000 |
| Noninterest expense | 1,245,000 | 2,878,000 | 4,651,000 | 6,399,000 |
| Provision for loan losses | 0 | 0 | 0 | 117,000 |
| Pretax income | 1,556,000 | 2,181,000 | 3,229,000 | 4,148,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 1,554,000 | 2,179,000 | 3,227,000 | 4,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,362,000 | 20,263,000 | 20,171,000 | 21,406,000 |
| Total capital | 21,568,000 | 21,482,000 | 21,573,000 | 22,747,000 |
| Risk-weighted assets | 105,752,000 | 110,739,000 | 111,753,000 | 106,813,000 |