Call reports 2020
FIRST LIBERTY BANK — 2020
What FIRST LIBERTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 459,794,000 | 531,427,000 | 550,349,000 | 545,276,000 |
| Total loans | 378,007,000 | 443,894,000 | 467,917,000 | 446,049,000 |
| Allowance for loan losses | 6,357,000 | 5,206,000 | 5,472,000 | 5,722,000 |
| Securities available for sale | 10,626,000 | 16,537,000 | 16,754,000 | 16,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,614,000 | 429,756,000 | 448,249,000 | 460,492,000 |
| Interest-bearing deposits | 334,771,000 | 331,403,000 | 341,900,000 | 353,103,000 |
| Noninterest-bearing deposits | 68,843,000 | 98,353,000 | 106,349,000 | 107,389,000 |
| Equity capital | 42,515,000 | 44,584,000 | 45,998,000 | 47,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,516,000 | 12,344,000 | 18,082,000 | 23,564,000 |
| Interest expense | 1,531,000 | 2,818,000 | 3,918,000 | 4,914,000 |
| Net interest income | 3,985,000 | 9,526,000 | 14,164,000 | 18,650,000 |
| Noninterest income | 508,000 | 1,102,000 | 2,149,000 | 3,219,000 |
| Noninterest expense | 3,218,000 | 6,487,000 | 9,909,000 | 13,551,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,250,000 | 1,550,000 |
| Pretax income | 825,000 | 3,241,000 | 5,154,000 | 6,768,000 |
| Income tax | 226,000 | 882,000 | 1,320,000 | 1,646,000 |
| Net income | 599,000 | 2,359,000 | 3,834,000 | 5,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,735,000 | 44,241,000 | 45,453,000 | 46,478,000 |
| Total capital | 47,679,000 | 49,508,000 | 50,991,000 | 52,094,000 |
| Risk-weighted assets | 394,052,000 | 426,118,000 | 450,997,000 | 449,154,000 |