Call reports 2014
LIBERTY NATIONAL BANK — 2014
What LIBERTY NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 286,177,000 | 295,402,000 | 290,403,000 | 309,182,000 |
| Total loans | 192,919,000 | 202,262,000 | 200,378,000 | 210,637,000 |
| Allowance for loan losses | 2,891,000 | 3,031,000 | 3,031,000 | 3,029,000 |
| Securities available for sale | 62,558,000 | 60,158,000 | 61,513,000 | 60,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,924,000 | 229,261,000 | 251,974,000 | 269,742,000 |
| Interest-bearing deposits | 193,389,000 | 184,400,000 | 209,629,000 | 221,738,000 |
| Noninterest-bearing deposits | 47,535,000 | 44,861,000 | 42,345,000 | 48,004,000 |
| Equity capital | 34,964,000 | 35,606,000 | 35,377,000 | 36,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,494,000 | 5,214,000 | 7,906,000 | 10,669,000 |
| Interest expense | 239,000 | 472,000 | 720,000 | 972,000 |
| Net interest income | 2,255,000 | 4,742,000 | 7,186,000 | 9,697,000 |
| Noninterest income | 367,000 | 750,000 | 1,249,000 | 1,721,000 |
| Noninterest expense | 1,734,000 | 3,585,000 | 5,473,000 | 7,411,000 |
| Provision for loan losses | 310,000 | 451,000 | 451,000 | 470,000 |
| Pretax income | 578,000 | 1,474,000 | 2,529,000 | 3,649,000 |
| Income tax | 166,000 | 456,000 | 803,000 | 1,174,000 |
| Net income | 412,000 | 1,018,000 | 1,726,000 | 2,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,106,000 | 24,762,000 | 24,520,000 | 25,319,000 |
| Total capital | 26,768,000 | 27,550,000 | 27,288,000 | 28,229,000 |
| Risk-weighted assets | 212,713,000 | 222,809,000 | 221,174,000 | 232,705,000 |