Call reports 2016
FIRST LIBERTY BANK — 2016
What FIRST LIBERTY BANK 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 | 301,584,000 | 299,313,000 | 293,842,000 | 301,373,000 |
| Total loans | 152,061,000 | 164,367,000 | 166,968,000 | 175,935,000 |
| Allowance for loan losses | 1,334,000 | 1,756,000 | 1,866,000 | 1,958,000 |
| Securities available for sale | 112,920,000 | 108,470,000 | 93,822,000 | 88,393,000 |
| Securities held to maturity | 390,000 | 391,000 | 392,000 | 394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,428,000 | 250,278,000 | 247,589,000 | 256,109,000 |
| Interest-bearing deposits | 234,680,000 | 232,837,000 | 230,566,000 | 239,527,000 |
| Noninterest-bearing deposits | 17,748,000 | 17,441,000 | 17,023,000 | 16,582,000 |
| Equity capital | 36,345,000 | 36,165,000 | 36,334,000 | 35,242,000 |
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 | 2,349,000 | 4,856,000 | 7,197,000 | 9,574,000 |
| Interest expense | 262,000 | 503,000 | 735,000 | 951,000 |
| Net interest income | 2,087,000 | 4,353,000 | 6,462,000 | 8,623,000 |
| Noninterest income | 646,000 | 1,339,000 | 2,070,000 | 2,804,000 |
| Noninterest expense | 1,884,000 | 4,039,000 | 6,240,000 | 8,579,000 |
| Provision for loan losses | 140,000 | 669,000 | 1,064,000 | 1,216,000 |
| Pretax income | 707,000 | 1,013,000 | 1,267,000 | 1,671,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 707,000 | 1,013,000 | 1,267,000 | 1,671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,531,000 | 35,471,000 | 35,516,000 | 35,749,000 |
| Total capital | 36,865,000 | 37,227,000 | 37,382,000 | 37,707,000 |
| Risk-weighted assets | 144,864,000 | 157,153,000 | 159,088,000 | 167,861,000 |