Call reports 2014
FIRST LIBERTY BANK — 2014
What FIRST LIBERTY 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 | 229,774,000 | 222,742,000 | 247,204,000 | 274,466,000 |
| Total loans | 142,436,000 | 154,685,000 | 165,884,000 | 168,057,000 |
| Allowance for loan losses | 2,930,000 | 2,991,000 | 3,044,000 | 3,096,000 |
| Securities available for sale | 41,650,000 | 42,092,000 | 35,746,000 | 33,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,656,000 | 197,831,000 | 221,471,000 | 247,268,000 |
| Interest-bearing deposits | 141,073,000 | 127,478,000 | 147,388,000 | 161,859,000 |
| Noninterest-bearing deposits | 64,583,000 | 70,353,000 | 74,083,000 | 85,409,000 |
| Equity capital | 23,803,000 | 24,785,000 | 25,526,000 | 26,526,000 |
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 | 2,193,000 | 4,644,000 | 7,266,000 | 9,895,000 |
| Interest expense | 236,000 | 468,000 | 702,000 | 970,000 |
| Net interest income | 1,957,000 | 4,176,000 | 6,564,000 | 8,925,000 |
| Noninterest income | 104,000 | 201,000 | 308,000 | 983,000 |
| Noninterest expense | 1,290,000 | 2,577,000 | 3,947,000 | 5,491,000 |
| Provision for loan losses | 0 | 60,000 | 110,000 | 160,000 |
| Pretax income | 824,000 | 1,805,000 | 2,927,000 | 4,431,000 |
| Income tax | 352,000 | 656,000 | 1,005,000 | 1,498,000 |
| Net income | 472,000 | 1,149,000 | 1,922,000 | 2,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,055,000 | 24,590,000 | 25,220,000 | 26,089,000 |
| Total capital | 26,371,000 | 27,001,000 | 27,769,000 | 28,785,000 |
| Risk-weighted assets | 184,654,000 | 192,297,000 | 203,442,000 | 215,345,000 |
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