Call reports 2014
LIBERTY NATIONAL BANK — 2014
What LIBERTY NATIONAL BANK 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 | 246,449,000 | 245,266,000 | 234,255,000 | 240,643,000 |
| Total loans | 175,646,000 | 177,961,000 | 179,659,000 | 184,574,000 |
| Allowance for loan losses | 1,998,000 | 2,084,000 | 2,139,000 | 2,040,000 |
| Securities available for sale | 33,792,000 | 32,957,000 | 31,734,000 | 32,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,898,000 | 211,053,000 | 200,179,000 | 206,041,000 |
| Interest-bearing deposits | 164,891,000 | 165,551,000 | 154,724,000 | 155,910,000 |
| Noninterest-bearing deposits | 48,007,000 | 45,502,000 | 45,455,000 | 50,131,000 |
| Equity capital | 23,373,000 | 23,689,000 | 24,237,000 | 24,433,000 |
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 | 2,279,000 | 4,696,000 | 7,227,000 | 9,758,000 |
| Interest expense | 196,000 | 385,000 | 580,000 | 777,000 |
| Net interest income | 2,083,000 | 4,311,000 | 6,647,000 | 8,981,000 |
| Noninterest income | 314,000 | 593,000 | 880,000 | 1,136,000 |
| Noninterest expense | 1,781,000 | 3,513,000 | 5,253,000 | 7,063,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 526,000 | 1,211,000 | 2,004,000 | 2,692,000 |
| Income tax | 138,000 | 339,000 | 577,000 | 777,000 |
| Net income | 388,000 | 872,000 | 1,427,000 | 1,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,820,000 | 21,963,000 | 22,517,000 | 22,663,000 |
| Total capital | 23,818,000 | 24,047,000 | 24,656,000 | 24,703,000 |
| Risk-weighted assets | 173,665,000 | 175,883,000 | 176,666,000 | 180,587,000 |