Call reports 2016
LIBERTYVILLE SAVINGS BANK — 2016
What LIBERTYVILLE SAVINGS 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 | 335,899,000 | 327,795,000 | 339,223,000 | 330,714,000 |
| Total loans | 200,711,000 | 208,281,000 | 218,172,000 | 220,435,000 |
| Allowance for loan losses | 2,398,000 | 2,565,000 | 2,644,000 | 2,656,000 |
| Securities available for sale | 90,398,000 | 91,202,000 | 81,798,000 | 77,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,217,000 | 262,298,000 | 261,917,000 | 250,667,000 |
| Interest-bearing deposits | 230,131,000 | 224,677,000 | 223,756,000 | 208,522,000 |
| Noninterest-bearing deposits | 41,086,000 | 37,621,000 | 38,161,000 | 42,145,000 |
| Equity capital | 38,007,000 | 39,261,000 | 39,308,000 | 37,221,000 |
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 | 3,128,000 | 6,332,000 | 9,625,000 | 12,939,000 |
| Interest expense | 469,000 | 937,000 | 1,475,000 | 2,041,000 |
| Net interest income | 2,659,000 | 5,395,000 | 8,150,000 | 10,898,000 |
| Noninterest income | 198,000 | 413,000 | 615,000 | 835,000 |
| Noninterest expense | 1,948,000 | 3,888,000 | 5,705,000 | 7,514,000 |
| Provision for loan losses | 150,000 | 300,000 | 375,000 | 450,000 |
| Pretax income | 924,000 | 1,891,000 | 3,280,000 | 4,334,000 |
| Income tax | 87,000 | 89,000 | 158,000 | 209,000 |
| Net income | 837,000 | 1,802,000 | 3,122,000 | 4,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,612,000 | 33,099,000 | 33,580,000 | 34,140,000 |
| Total capital | 35,010,000 | 35,664,000 | 36,224,000 | 36,796,000 |
| Risk-weighted assets | 262,491,000 | 264,189,000 | 275,011,000 | 275,190,000 |