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 | 325,627,000 | 328,216,000 | 320,430,000 | 321,194,000 |
| Total loans | 169,027,000 | 172,350,000 | 176,997,000 | 176,732,000 |
| Allowance for loan losses | 1,934,000 | 1,990,000 | 1,951,000 | 2,104,000 |
| Securities available for sale | 120,290,000 | 121,163,000 | 114,145,000 | 113,810,000 |
| Securities held to maturity | 2,050,000 | 2,050,000 | 2,050,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,681,000 | 270,253,000 | 264,755,000 | 271,351,000 |
| Interest-bearing deposits | 235,248,000 | 229,526,000 | 229,136,000 | 237,546,000 |
| Noninterest-bearing deposits | 39,433,000 | 40,727,000 | 35,619,000 | 33,805,000 |
| Equity capital | 38,467,000 | 39,501,000 | 40,232,000 | 38,743,000 |
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 | 2,812,000 | 5,670,000 | 8,555,000 | 11,349,000 |
| Interest expense | 376,000 | 733,000 | 1,109,000 | 1,485,000 |
| Net interest income | 2,436,000 | 4,937,000 | 7,446,000 | 9,864,000 |
| Noninterest income | 438,000 | 920,000 | 1,358,000 | 1,823,000 |
| Noninterest expense | 1,840,000 | 3,748,000 | 5,644,000 | 7,480,000 |
| Provision for loan losses | 90,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 992,000 | 2,098,000 | 3,149,000 | 4,214,000 |
| Income tax | 277,000 | 598,000 | 899,000 | 1,210,000 |
| Net income | 715,000 | 1,500,000 | 2,250,000 | 3,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,709,000 | 34,484,000 | 35,193,000 | 35,922,000 |
| Total capital | 35,643,000 | 36,474,000 | 37,144,000 | 38,026,000 |
| Risk-weighted assets | 202,569,000 | 206,588,000 | 209,147,000 | 212,309,000 |