Call reports 2024
FIRST LIBERTY BANK — 2024
What FIRST LIBERTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 716,762,000 | 727,231,000 | 733,138,000 | 783,866,000 |
| Total loans | 585,459,000 | 595,180,000 | 624,658,000 | 650,957,000 |
| Allowance for loan losses | 8,374,000 | 8,884,000 | 9,159,000 | 9,518,000 |
| Securities available for sale | 39,460,000 | 38,480,000 | 38,954,000 | 42,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 598,546,000 | 607,781,000 | 617,586,000 | 666,829,000 |
| Interest-bearing deposits | 475,590,000 | 491,105,000 | 499,040,000 | 530,412,000 |
| Noninterest-bearing deposits | 122,956,000 | 116,676,000 | 118,546,000 | 136,417,000 |
| Equity capital | 84,679,000 | 86,107,000 | 88,111,000 | 88,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 11,877,000 | 24,205,000 | 37,059,000 | 50,355,000 |
| Interest expense | 5,437,000 | 11,045,000 | 16,936,000 | 22,816,000 |
| Net interest income | 6,440,000 | 13,160,000 | 20,123,000 | 27,539,000 |
| Noninterest income | 539,000 | 1,461,000 | 2,014,000 | 2,658,000 |
| Noninterest expense | 4,491,000 | 9,081,000 | 13,597,000 | 18,091,000 |
| Provision for loan losses | 215,000 | 725,000 | 1,000,000 | 1,450,000 |
| Pretax income | 2,330,000 | 4,947,000 | 7,663,000 | 10,933,000 |
| Income tax | 589,000 | 1,232,000 | 1,909,000 | 2,776,000 |
| Net income | 1,741,000 | 3,715,000 | 5,754,000 | 8,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,205,000 | 88,555,000 | 89,977,000 | 91,141,000 |
| Total capital | 95,369,000 | 96,769,000 | 98,551,000 | 99,882,000 |
| Risk-weighted assets | 652,359,000 | 655,972,000 | 684,876,000 | 698,146,000 |