Call reports 2015
LIBERTY NATIONAL BANK — 2015
What LIBERTY NATIONAL 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 | 251,845,000 | 263,182,000 | 260,273,000 | 262,325,000 |
| Total loans | 185,745,000 | 186,795,000 | 186,800,000 | 187,148,000 |
| Allowance for loan losses | 2,105,000 | 2,200,000 | 2,136,000 | 1,906,000 |
| Securities available for sale | 34,228,000 | 35,724,000 | 37,701,000 | 41,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,284,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,898,000 | 227,670,000 | 224,636,000 | 226,104,000 |
| Interest-bearing deposits | 168,964,000 | 178,502,000 | 171,675,000 | 169,616,000 |
| Noninterest-bearing deposits | 47,934,000 | 49,168,000 | 52,961,000 | 56,488,000 |
| Equity capital | 24,962,000 | 25,030,000 | 25,500,000 | 25,607,000 |
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 | 2,511,000 | 5,088,000 | 7,688,000 | 10,287,000 |
| Interest expense | 206,000 | 413,000 | 631,000 | 842,000 |
| Net interest income | 2,305,000 | 4,675,000 | 7,057,000 | 9,445,000 |
| Noninterest income | 252,000 | 536,000 | 842,000 | 1,254,000 |
| Noninterest expense | 1,802,000 | 3,600,000 | 5,509,000 | 7,457,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 650,000 | 1,401,000 | 2,075,000 | 2,822,000 |
| Income tax | 183,000 | 397,000 | 596,000 | 813,000 |
| Net income | 467,000 | 1,004,000 | 1,479,000 | 2,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,158,000 | 23,345,000 | 23,820,000 | 24,004,000 |
| Total capital | 25,263,000 | 25,545,000 | 25,956,000 | 25,910,000 |
| Risk-weighted assets | 180,428,000 | 183,004,000 | 182,848,000 | 185,074,000 |