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 | 242,011,000 | 244,034,000 | 252,603,000 | 264,674,000 |
| Total loans | 161,091,000 | 157,761,000 | 152,170,000 | 158,537,000 |
| Allowance for loan losses | 3,185,000 | 3,285,000 | 3,304,000 | 2,623,000 |
| Securities available for sale | 63,121,000 | 56,831,000 | 81,985,000 | 89,785,000 |
| Securities held to maturity | 8,571,000 | 7,304,000 | 6,576,000 | 6,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,600,000 | 212,665,000 | 221,153,000 | 214,598,000 |
| Interest-bearing deposits | 158,340,000 | 162,337,000 | 162,862,000 | 164,611,000 |
| Noninterest-bearing deposits | 44,260,000 | 50,328,000 | 58,291,000 | 49,987,000 |
| Equity capital | 30,243,000 | 30,596,000 | 30,683,000 | 31,101,000 |
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 | 2,225,000 | 4,545,000 | 6,872,000 | 9,169,000 |
| Interest expense | 127,000 | 258,000 | 392,000 | 530,000 |
| Net interest income | 2,098,000 | 4,287,000 | 6,480,000 | 8,639,000 |
| Noninterest income | 109,000 | 224,000 | 297,000 | 429,000 |
| Noninterest expense | 1,919,000 | 3,865,000 | 5,886,000 | 8,264,000 |
| Provision for loan losses | 0 | 0 | 0 | -700,000 |
| Pretax income | 288,000 | 646,000 | 891,000 | 1,504,000 |
| Income tax | 0 | 3,000 | 3,000 | 3,000 |
| Net income | 288,000 | 643,000 | 888,000 | 1,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,268,000 | 30,627,000 | 30,723,000 | 31,335,000 |
| Total capital | 32,951,000 | 33,379,000 | 33,724,000 | 34,258,000 |
| Risk-weighted assets | 229,024,000 | 219,514,000 | 239,671,000 | 259,190,000 |