Call reports 2016
LIBERTY BANK FOR SAVINGS — 2016
What LIBERTY BANK FOR SAVINGS 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 | 821,902,000 | 835,059,000 | 830,256,000 | 834,251,000 |
| Total loans | 400,705,000 | 424,827,000 | 436,227,000 | 448,693,000 |
| Allowance for loan losses | 3,571,000 | 3,557,000 | 3,482,000 | 3,440,000 |
| Securities available for sale | 375,525,000 | 361,974,000 | 355,488,000 | 357,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 622,976,000 | 633,962,000 | 629,715,000 | 636,563,000 |
| Interest-bearing deposits | 581,057,000 | 588,355,000 | 586,466,000 | 590,291,000 |
| Noninterest-bearing deposits | 41,919,000 | 45,607,000 | 43,249,000 | 46,272,000 |
| Equity capital | 188,725,000 | 190,378,000 | 190,574,000 | 187,573,000 |
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 | 5,667,000 | 11,392,000 | 17,203,000 | 22,942,000 |
| Interest expense | 549,000 | 1,112,000 | 1,737,000 | 2,406,000 |
| Net interest income | 5,118,000 | 10,280,000 | 15,466,000 | 20,536,000 |
| Noninterest income | 242,000 | 694,000 | 1,350,000 | 1,722,000 |
| Noninterest expense | 4,610,000 | 8,727,000 | 13,099,000 | 17,392,000 |
| Provision for loan losses | 5,000 | 4,000 | 3,000 | 0 |
| Pretax income | 766,000 | 2,266,000 | 3,740,000 | 4,891,000 |
| Income tax | 165,000 | 648,000 | 1,127,000 | 1,479,000 |
| Net income | 601,000 | 1,618,000 | 2,613,000 | 3,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 183,422,000 | 184,439,000 | 185,435,000 | 186,233,000 |
| Total capital | 186,993,000 | 187,996,000 | 188,917,000 | 189,673,000 |
| Risk-weighted assets | 327,742,000 | 336,501,000 | 345,862,000 | 348,058,000 |