Call reports 2016
LIBERTY BANK — 2016
What 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 | 433,568,000 | 442,577,000 | 441,215,000 | 429,911,000 |
| Total loans | 315,546,000 | 317,617,000 | 320,485,000 | 325,608,000 |
| Allowance for loan losses | 3,943,000 | 4,102,000 | 4,142,000 | 4,143,000 |
| Securities available for sale | 53,445,000 | 52,504,000 | 61,121,000 | 59,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,544,000 | 389,995,000 | 387,803,000 | 377,448,000 |
| Interest-bearing deposits | 272,853,000 | 271,248,000 | 264,136,000 | 258,533,000 |
| Noninterest-bearing deposits | 108,691,000 | 118,747,000 | 123,667,000 | 118,915,000 |
| Equity capital | 49,822,000 | 50,567,000 | 51,223,000 | 50,762,000 |
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 | 4,287,000 | 8,624,000 | 13,028,000 | 17,449,000 |
| Interest expense | 469,000 | 942,000 | 1,406,000 | 1,851,000 |
| Net interest income | 3,818,000 | 7,682,000 | 11,622,000 | 15,598,000 |
| Noninterest income | 310,000 | 631,000 | 912,000 | 1,259,000 |
| Noninterest expense | 2,910,000 | 5,885,000 | 8,787,000 | 11,597,000 |
| Provision for loan losses | 76,000 | 190,000 | 228,000 | 228,000 |
| Pretax income | 1,142,000 | 2,238,000 | 3,519,000 | 5,032,000 |
| Income tax | 381,000 | 752,000 | 1,178,000 | 1,683,000 |
| Net income | 761,000 | 1,486,000 | 2,341,000 | 3,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,584,000 | 39,379,000 | 40,129,000 | 41,009,000 |
| Total capital | 42,527,000 | 43,481,000 | 44,271,000 | 45,152,000 |
| Risk-weighted assets | 336,426,000 | 337,247,000 | 335,555,000 | 334,838,000 |