Call reports 2016
LIBERTY BANK, INC. — 2016
What LIBERTY BANK, INC. 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 | 11,962,000 | 12,100,000 | 12,020,000 | 12,436,000 |
| Total loans | 7,004,000 | 7,500,000 | 7,451,000 | 7,859,000 |
| Allowance for loan losses | 286,000 | 287,000 | 288,000 | 288,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 975,000 | 958,000 | 919,000 | 824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,130,000 | 10,932,000 | 10,815,000 | 11,188,000 |
| Interest-bearing deposits | 10,886,000 | 10,682,000 | 10,539,000 | 10,703,000 |
| Noninterest-bearing deposits | 244,000 | 250,000 | 276,000 | 485,000 |
| Equity capital | 756,000 | 1,084,000 | 1,033,000 | 1,066,000 |
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 | 168,000 | 415,000 | 722,000 | 1,143,000 |
| Interest expense | 22,000 | 46,000 | 72,000 | 95,000 |
| Net interest income | 146,000 | 369,000 | 650,000 | 1,048,000 |
| Noninterest income | 5,000 | 8,000 | 46,000 | 101,000 |
| Noninterest expense | 252,000 | 536,000 | 906,000 | 1,326,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -101,000 | -159,000 | -210,000 | -177,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -101,000 | -159,000 | -210,000 | -177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 756,000 | 1,084,000 | 1,033,000 | 1,066,000 |
| Total capital | 828,000 | 1,160,000 | 1,110,000 | 1,152,000 |
| Risk-weighted assets | 5,611,000 | 5,893,000 | 5,863,000 | 6,659,000 |