Call reports 2016
LIBERTY BANK, NATIONAL ASSOCIATION — 2016
What LIBERTY BANK, NATIONAL ASSOCIATION 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 | 226,780,000 | 222,109,000 | 221,468,000 | 234,983,000 |
| Total loans | 181,568,000 | 187,690,000 | 197,758,000 | 199,542,000 |
| Allowance for loan losses | 2,829,000 | 3,324,000 | 3,276,000 | 3,187,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,687,000 | 189,943,000 | 188,240,000 | 198,689,000 |
| Interest-bearing deposits | 168,389,000 | 153,783,000 | 158,748,000 | 160,531,000 |
| Noninterest-bearing deposits | 27,298,000 | 36,160,000 | 29,492,000 | 38,158,000 |
| Equity capital | 30,451,000 | 31,024,000 | 31,422,000 | 34,108,000 |
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 | 2,238,000 | 5,108,000 | 7,542,000 | 10,030,000 |
| Interest expense | 217,000 | 424,000 | 621,000 | 808,000 |
| Net interest income | 2,021,000 | 4,684,000 | 6,921,000 | 9,222,000 |
| Noninterest income | 233,000 | 464,000 | 896,000 | 1,316,000 |
| Noninterest expense | 1,746,000 | 3,481,000 | 5,301,000 | 7,143,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 508,000 | 1,667,000 | 2,516,000 | 3,395,000 |
| Income tax | 173,000 | 567,000 | 856,000 | 1,119,000 |
| Net income | 335,000 | 1,100,000 | 1,660,000 | 2,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,451,000 | 31,024,000 | 31,422,000 | 34,108,000 |
| Total capital | 32,932,000 | 33,585,000 | 34,028,000 | 36,739,000 |
| Risk-weighted assets | 198,201,000 | 204,080,000 | 207,792,000 | 209,775,000 |