Call reports 2016
LIBERTY STATE BANK — 2016
What LIBERTY STATE 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 | 82,056,000 | 84,206,000 | 81,712,000 | 78,830,000 |
| Total loans | 41,340,000 | 44,117,000 | 44,296,000 | 43,346,000 |
| Allowance for loan losses | 500,000 | 505,000 | 511,000 | 513,000 |
| Securities available for sale | 33,284,000 | 34,758,000 | 31,067,000 | 30,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,910,000 | 70,502,000 | 68,991,000 | 69,129,000 |
| Interest-bearing deposits | 57,488,000 | 55,964,000 | 55,852,000 | 56,312,000 |
| Noninterest-bearing deposits | 14,422,000 | 14,538,000 | 13,139,000 | 12,817,000 |
| Equity capital | 9,725,000 | 10,254,000 | 10,249,000 | 9,285,000 |
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 | 783,000 | 1,553,000 | 2,360,000 | 3,113,000 |
| Interest expense | 35,000 | 72,000 | 115,000 | 156,000 |
| Net interest income | 748,000 | 1,481,000 | 2,245,000 | 2,957,000 |
| Noninterest income | 21,000 | 43,000 | 70,000 | 111,000 |
| Noninterest expense | 278,000 | 611,000 | 921,000 | 1,319,000 |
| Provision for loan losses | 41,000 | 47,000 | 53,000 | 74,000 |
| Pretax income | 448,000 | 877,000 | 1,352,000 | 1,687,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 448,000 | 877,000 | 1,352,000 | 1,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,986,000 | 9,165,000 | 9,341,000 | 9,175,000 |
| Total capital | 9,486,000 | 9,670,000 | 9,852,000 | 9,688,000 |
| Risk-weighted assets | 49,159,000 | 51,308,000 | 50,419,000 | 49,252,000 |