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 | 88,880,000 | 89,549,000 | 91,285,000 | 90,779,000 |
| Total loans | 60,319,000 | 60,758,000 | 62,084,000 | 61,116,000 |
| Allowance for loan losses | 389,000 | 395,000 | 399,000 | 401,000 |
| Securities available for sale | 20,764,000 | 19,805,000 | 20,423,000 | 17,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,290,000 | 78,758,000 | 80,269,000 | 80,159,000 |
| Interest-bearing deposits | 67,686,000 | 67,831,000 | 68,137,000 | 67,948,000 |
| Noninterest-bearing deposits | 10,604,000 | 10,927,000 | 12,132,000 | 12,211,000 |
| Equity capital | 9,619,000 | 9,862,000 | 10,076,000 | 9,834,000 |
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 | 889,000 | 1,772,000 | 2,642,000 | 3,511,000 |
| Interest expense | 80,000 | 160,000 | 237,000 | 315,000 |
| Net interest income | 809,000 | 1,612,000 | 2,405,000 | 3,196,000 |
| Noninterest income | 75,000 | 163,000 | 273,000 | 382,000 |
| Noninterest expense | 535,000 | 1,081,000 | 1,604,000 | 2,299,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 343,000 | 687,000 | 1,061,000 | 1,273,000 |
| Income tax | 116,000 | 234,000 | 361,000 | 415,000 |
| Net income | 227,000 | 453,000 | 700,000 | 858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,331,000 | 9,531,000 | 9,753,000 | 9,886,000 |
| Total capital | 9,720,000 | 9,926,000 | 10,152,000 | 10,287,000 |
| Risk-weighted assets | 63,355,000 | 63,153,000 | 64,502,000 | 63,928,000 |