Call reports 2019
FIRST LIBERTY BANK — 2019
What FIRST LIBERTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 423,833,000 | 443,193,000 | 440,146,000 | 435,574,000 |
| Total loans | 359,482,000 | 364,354,000 | 370,294,000 | 389,913,000 |
| Allowance for loan losses | 5,333,000 | 5,783,000 | 5,707,000 | 5,907,000 |
| Securities available for sale | 19,666,000 | 9,950,000 | 10,032,000 | 9,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,314,000 | 401,758,000 | 397,323,000 | 390,654,000 |
| Interest-bearing deposits | 312,888,000 | 326,545,000 | 317,663,000 | 326,354,000 |
| Noninterest-bearing deposits | 69,426,000 | 75,213,000 | 79,660,000 | 64,300,000 |
| Equity capital | 38,838,000 | 39,564,000 | 40,304,000 | 42,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,564,000 | 11,410,000 | 17,333,000 | 23,170,000 |
| Interest expense | 1,649,000 | 3,369,000 | 5,059,000 | 6,967,000 |
| Net interest income | 3,915,000 | 8,041,000 | 12,274,000 | 16,203,000 |
| Noninterest income | 267,000 | 651,000 | 1,060,000 | 1,500,000 |
| Noninterest expense | 2,952,000 | 5,964,000 | 8,944,000 | 11,598,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,550,000 |
| Pretax income | 780,000 | 1,828,000 | 3,040,000 | 4,555,000 |
| Income tax | 205,000 | 494,000 | 825,000 | 1,433,000 |
| Net income | 575,000 | 1,334,000 | 2,215,000 | 3,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,938,000 | 39,487,000 | 40,155,000 | 42,348,000 |
| Total capital | 43,707,000 | 44,234,000 | 44,913,000 | 47,465,000 |
| Risk-weighted assets | 380,923,000 | 378,730,000 | 379,686,000 | 408,566,000 |