Call reports 2015
LIBERTY NATIONAL BANK — 2015
What LIBERTY NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 326,227,000 | 321,813,000 | 326,449,000 | 332,965,000 |
| Total loans | 220,063,000 | 232,284,000 | 236,385,000 | 242,233,000 |
| Allowance for loan losses | 3,134,000 | 3,261,000 | 3,300,000 | 3,372,000 |
| Securities available for sale | 58,807,000 | 59,127,000 | 58,024,000 | 56,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,867,000 | 272,384,000 | 274,491,000 | 277,722,000 |
| Interest-bearing deposits | 236,457,000 | 225,170,000 | 220,176,000 | 212,229,000 |
| Noninterest-bearing deposits | 49,410,000 | 47,214,000 | 54,315,000 | 65,493,000 |
| Equity capital | 37,083,000 | 38,004,000 | 38,841,000 | 39,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,825,000 | 5,679,000 | 8,806,000 | 11,872,000 |
| Interest expense | 270,000 | 553,000 | 834,000 | 1,110,000 |
| Net interest income | 2,555,000 | 5,126,000 | 7,972,000 | 10,762,000 |
| Noninterest income | 700,000 | 1,240,000 | 1,578,000 | 2,007,000 |
| Noninterest expense | 2,012,000 | 3,963,000 | 5,976,000 | 8,010,000 |
| Provision for loan losses | 105,000 | 233,000 | 368,000 | 443,000 |
| Pretax income | 1,177,000 | 2,225,000 | 3,269,000 | 4,397,000 |
| Income tax | 379,000 | 719,000 | 1,054,000 | 1,421,000 |
| Net income | 798,000 | 1,506,000 | 2,215,000 | 2,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,548,000 | 27,776,000 | 28,505,000 | 29,287,000 |
| Total capital | 29,569,000 | 30,940,000 | 31,805,000 | 32,651,000 |
| Risk-weighted assets | 241,614,000 | 253,125,000 | 264,581,000 | 269,076,000 |