Call reports 2023
FIRST LIBERTY BANK — 2023
What FIRST LIBERTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 595,576,000 | 615,875,000 | 659,066,000 | 703,790,000 |
| Total loans | 490,072,000 | 505,873,000 | 559,546,000 | 575,328,000 |
| Allowance for loan losses | 7,282,000 | 7,482,000 | 7,782,000 | 8,159,000 |
| Securities available for sale | 41,448,000 | 40,725,000 | 39,047,000 | 40,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,905,000 | 512,519,000 | 554,912,000 | 598,725,000 |
| Interest-bearing deposits | 366,147,000 | 391,602,000 | 426,138,000 | 477,568,000 |
| Noninterest-bearing deposits | 131,758,000 | 120,917,000 | 128,774,000 | 121,157,000 |
| Equity capital | 60,019,000 | 60,679,000 | 63,494,000 | 65,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 8,326,000 | 17,374,000 | 27,892,000 | 39,517,000 |
| Interest expense | 2,646,000 | 5,984,000 | 10,198,000 | 15,401,000 |
| Net interest income | 5,680,000 | 11,390,000 | 17,694,000 | 24,116,000 |
| Noninterest income | 504,000 | 1,028,000 | 1,419,000 | 1,882,000 |
| Noninterest expense | 3,811,000 | 7,820,000 | 11,936,000 | 16,065,000 |
| Provision for loan losses | 325,000 | 525,000 | 825,000 | 1,150,000 |
| Pretax income | 2,068,000 | 4,087,000 | 6,282,000 | 8,763,000 |
| Income tax | 535,000 | 1,064,000 | 1,615,000 | 2,202,000 |
| Net income | 1,533,000 | 3,023,000 | 4,667,000 | 6,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,855,000 | 63,905,000 | 67,208,000 | 68,253,000 |
| Total capital | 69,797,000 | 71,060,000 | 75,071,000 | 76,182,000 |
| Risk-weighted assets | 554,616,000 | 571,694,000 | 628,619,000 | 633,695,000 |