Call reports 2016
LIBERTY BELL BANK — 2016
What LIBERTY BELL 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 | 153,411,000 | 149,267,000 | 145,112,000 | 149,576,000 |
| Total loans | 109,874,000 | 111,230,000 | 116,892,000 | 120,723,000 |
| Allowance for loan losses | 1,425,000 | 1,467,000 | 1,530,000 | 1,255,000 |
| Securities available for sale | 15,486,000 | 14,146,000 | 11,432,000 | 10,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,967,000 | 136,005,000 | 131,806,000 | 136,159,000 |
| Interest-bearing deposits | 122,384,000 | 115,416,000 | 111,908,000 | 115,550,000 |
| Noninterest-bearing deposits | 17,583,000 | 20,589,000 | 19,898,000 | 20,609,000 |
| Equity capital | 9,686,000 | 9,817,000 | 9,902,000 | 9,730,000 |
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 | 1,566,000 | 3,113,000 | 4,641,000 | 6,163,000 |
| Interest expense | 226,000 | 458,000 | 678,000 | 899,000 |
| Net interest income | 1,340,000 | 2,655,000 | 3,963,000 | 5,264,000 |
| Noninterest income | 47,000 | 92,000 | 138,000 | 186,000 |
| Noninterest expense | 1,370,000 | 2,688,000 | 3,960,000 | 5,202,000 |
| Provision for loan losses | 15,000 | 30,000 | 55,000 | 95,000 |
| Pretax income | 61,000 | 97,000 | 158,000 | 225,000 |
| Income tax | 11,000 | 20,000 | 23,000 | 23,000 |
| Net income | 50,000 | 77,000 | 135,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,737,000 | 9,765,000 | 9,823,000 | 9,891,000 |
| Total capital | 11,073,000 | 11,111,000 | 11,133,000 | 11,146,000 |
| Risk-weighted assets | 106,755,000 | 107,556,000 | 104,547,000 | 107,351,000 |