Call reports 2018
FIRST LIBERTY BANK — 2018
What FIRST LIBERTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 384,538,000 | 394,484,000 | 412,162,000 | 422,989,000 |
| Total loans | 316,713,000 | 342,414,000 | 361,998,000 | 359,077,000 |
| Allowance for loan losses | 4,280,000 | 4,083,000 | 4,433,000 | 4,883,000 |
| Securities available for sale | 9,769,000 | 9,751,000 | 9,543,000 | 9,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,900,000 | 357,549,000 | 374,431,000 | 384,441,000 |
| Interest-bearing deposits | 258,042,000 | 286,267,000 | 297,459,000 | 322,914,000 |
| Noninterest-bearing deposits | 91,858,000 | 71,282,000 | 76,972,000 | 61,527,000 |
| Equity capital | 32,320,000 | 35,084,000 | 35,660,000 | 36,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,195,000 | 9,118,000 | 14,369,000 | 19,930,000 |
| Interest expense | 785,000 | 1,718,000 | 2,884,000 | 4,324,000 |
| Net interest income | 3,410,000 | 7,400,000 | 11,485,000 | 15,606,000 |
| Noninterest income | 341,000 | 734,000 | 1,047,000 | 1,395,000 |
| Noninterest expense | 2,824,000 | 5,741,000 | 8,598,000 | 11,526,000 |
| Provision for loan losses | 60,000 | 240,000 | 590,000 | 1,040,000 |
| Pretax income | 867,000 | 2,153,000 | 3,344,000 | 4,435,000 |
| Income tax | 241,000 | 612,000 | 949,000 | 1,077,000 |
| Net income | 626,000 | 1,541,000 | 2,395,000 | 3,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,447,000 | 35,206,000 | 35,902,000 | 36,708,000 |
| Total capital | 36,805,000 | 39,366,000 | 40,412,000 | 41,420,000 |
| Risk-weighted assets | 352,341,000 | 373,800,000 | 382,456,000 | 376,746,000 |