Call reports 2015
FIRST LIBERTY BANK — 2015
What FIRST 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 | 255,903,000 | 258,327,000 | 248,456,000 | 257,239,000 |
| Total loans | 173,598,000 | 178,297,000 | 181,914,000 | 181,904,000 |
| Allowance for loan losses | 3,042,000 | 3,068,000 | 3,118,000 | 3,138,000 |
| Securities available for sale | 37,373,000 | 38,448,000 | 37,966,000 | 38,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,494,000 | 231,054,000 | 220,054,000 | 228,391,000 |
| Interest-bearing deposits | 150,138,000 | 164,108,000 | 157,734,000 | 157,936,000 |
| Noninterest-bearing deposits | 78,356,000 | 66,946,000 | 62,320,000 | 70,455,000 |
| Equity capital | 26,680,000 | 26,708,000 | 27,387,000 | 28,352,000 |
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 | 2,537,000 | 5,225,000 | 7,964,000 | 10,864,000 |
| Interest expense | 269,000 | 541,000 | 817,000 | 1,083,000 |
| Net interest income | 2,268,000 | 4,684,000 | 7,147,000 | 9,781,000 |
| Noninterest income | 73,000 | 160,000 | 238,000 | 355,000 |
| Noninterest expense | 1,463,000 | 2,903,000 | 4,475,000 | 6,087,000 |
| Provision for loan losses | 120,000 | 195,000 | 245,000 | 265,000 |
| Pretax income | 771,000 | 1,759,000 | 2,678,000 | 3,838,000 |
| Income tax | 284,000 | 693,000 | 1,036,000 | 1,352,000 |
| Net income | 487,000 | 1,066,000 | 1,642,000 | 2,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,108,000 | 26,566,000 | 27,029,000 | 27,732,000 |
| Total capital | 28,350,000 | 28,946,000 | 29,655,000 | 30,408,000 |
| Risk-weighted assets | 178,556,000 | 189,697,000 | 209,558,000 | 213,587,000 |