Call reports 2015
LIBERTY BANK MINNESOTA — 2015
What LIBERTY BANK MINNESOTA 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 | 194,646,000 | 188,699,000 | 193,732,000 | 189,282,000 |
| Total loans | 95,990,000 | 95,819,000 | 104,154,000 | 103,444,000 |
| Allowance for loan losses | 1,649,000 | 1,600,000 | 1,619,000 | 1,568,000 |
| Securities available for sale | 44,507,000 | 44,979,000 | 42,557,000 | 42,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,656,000 | 162,203,000 | 166,308,000 | 167,744,000 |
| Interest-bearing deposits | 133,784,000 | 130,585,000 | 131,080,000 | 135,038,000 |
| Noninterest-bearing deposits | 33,872,000 | 31,618,000 | 35,228,000 | 32,706,000 |
| Equity capital | 21,644,000 | 21,157,000 | 21,956,000 | 21,239,000 |
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 | 1,356,000 | 2,701,000 | 4,097,000 | 5,563,000 |
| Interest expense | 149,000 | 299,000 | 459,000 | 644,000 |
| Net interest income | 1,207,000 | 2,402,000 | 3,638,000 | 4,919,000 |
| Noninterest income | 1,165,000 | 2,767,000 | 4,262,000 | 5,464,000 |
| Noninterest expense | 1,666,000 | 3,535,000 | 5,295,000 | 7,111,000 |
| Provision for loan losses | 0 | -19,000 | -19,000 | -19,000 |
| Pretax income | 706,000 | 1,654,000 | 2,625,000 | 3,292,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 706,000 | 1,654,000 | 2,625,000 | 3,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,606,000 | 19,668,000 | 20,200,000 | 19,746,000 |
| Total capital | 20,921,000 | 20,887,000 | 21,443,000 | 20,945,000 |
| Risk-weighted assets | 102,986,000 | 95,218,000 | 97,216,000 | 93,684,000 |