Call reports 2016
LIBERTY FIRST BANK — 2016
What LIBERTY FIRST 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 | 120,470,000 | 113,412,000 | 117,044,000 | 125,959,000 |
| Total loans | 77,264,000 | 76,417,000 | 78,742,000 | 80,541,000 |
| Allowance for loan losses | 778,000 | 799,000 | 824,000 | 862,000 |
| Securities available for sale | 15,776,000 | 14,966,000 | 16,156,000 | 18,546,000 |
| Securities held to maturity | 13,417,000 | 12,939,000 | 14,336,000 | 13,735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,049,000 | 97,609,000 | 101,064,000 | 110,587,000 |
| Interest-bearing deposits | 85,974,000 | 80,791,000 | 81,259,000 | 85,988,000 |
| Noninterest-bearing deposits | 19,076,000 | 16,818,000 | 19,804,000 | 24,600,000 |
| Equity capital | 13,031,000 | 13,594,000 | 13,967,000 | 13,806,000 |
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 | 1,222,000 | 2,441,000 | 3,642,000 | 4,882,000 |
| Interest expense | 149,000 | 297,000 | 446,000 | 593,000 |
| Net interest income | 1,073,000 | 2,144,000 | 3,196,000 | 4,289,000 |
| Noninterest income | 104,000 | 197,000 | 312,000 | 424,000 |
| Noninterest expense | 819,000 | 1,598,000 | 2,376,000 | 3,167,000 |
| Provision for loan losses | 21,000 | 41,000 | 69,000 | 107,000 |
| Pretax income | 374,000 | 739,000 | 1,100,000 | 1,476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 374,000 | 739,000 | 1,100,000 | 1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,068,000 | 13,433,000 | 13,796,000 | 14,173,000 |
| Total capital | 13,846,000 | 14,232,000 | 14,620,000 | 15,035,000 |
| Risk-weighted assets | 81,260,000 | 78,842,000 | 80,971,000 | 84,505,000 |