Call reports 2016
BANKLIBERTY — 2016
What BANKLIBERTY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 439,384,000 | 430,909,000 | 431,056,000 | 439,172,000 |
| Total loans | 354,733,000 | 341,814,000 | 346,148,000 | 358,324,000 |
| Allowance for loan losses | 5,595,000 | 5,561,000 | 5,573,000 | 5,428,000 |
| Securities available for sale | 20,045,000 | 19,134,000 | 18,440,000 | 17,236,000 |
| Securities held to maturity | 3,150,000 | 3,025,000 | 2,879,000 | 2,698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,616,000 | 369,875,000 | 371,566,000 | 376,523,000 |
| Interest-bearing deposits | 212,940,000 | 211,263,000 | 210,080,000 | 209,732,000 |
| Noninterest-bearing deposits | 148,676,000 | 158,612,000 | 161,486,000 | 166,791,000 |
| Equity capital | 49,576,000 | 50,371,000 | 50,608,000 | 50,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,669,000 | 9,853,000 | 14,267,000 | 18,742,000 |
| Interest expense | 266,000 | 514,000 | 737,000 | 967,000 |
| Net interest income | 4,403,000 | 9,339,000 | 13,530,000 | 17,775,000 |
| Noninterest income | 770,000 | 1,556,000 | 2,343,000 | 3,204,000 |
| Noninterest expense | 3,353,000 | 6,624,000 | 9,805,000 | 12,976,000 |
| Provision for loan losses | 0 | 0 | 0 | 271,000 |
| Pretax income | 1,820,000 | 4,271,000 | 6,068,000 | 7,732,000 |
| Income tax | 622,000 | 1,465,000 | 2,057,000 | 2,604,000 |
| Net income | 1,198,000 | 2,806,000 | 4,011,000 | 5,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,007,000 | 46,718,000 | 47,004,000 | 46,998,000 |
| Total capital | 50,789,000 | 51,601,000 | 51,947,000 | 52,141,000 |
| Risk-weighted assets | 381,566,000 | 389,807,000 | 394,655,000 | 411,029,000 |