Call reports 2016
LIBERTY BANK AND TRUST COMPANY — 2016
What LIBERTY BANK AND TRUST COMPANY 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 | 613,660,000 | 618,475,000 | 611,640,000 | 624,967,000 |
| Total loans | 293,800,000 | 289,406,000 | 287,088,000 | 289,643,000 |
| Allowance for loan losses | 7,988,000 | 7,817,000 | 7,445,000 | 7,187,000 |
| Securities available for sale | 251,851,000 | 240,883,000 | 255,913,000 | 261,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 542,938,000 | 555,709,000 | 549,179,000 | 549,188,000 |
| Interest-bearing deposits | 439,989,000 | 452,128,000 | 443,935,000 | 439,167,000 |
| Noninterest-bearing deposits | 102,949,000 | 103,581,000 | 105,244,000 | 110,021,000 |
| Equity capital | 51,797,000 | 54,054,000 | 53,846,000 | 47,175,000 |
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 | 6,564,000 | 12,870,000 | 19,095,000 | 25,264,000 |
| Interest expense | 830,000 | 1,703,000 | 2,620,000 | 3,533,000 |
| Net interest income | 5,734,000 | 11,167,000 | 16,475,000 | 21,731,000 |
| Noninterest income | 1,059,000 | 1,925,000 | 2,746,000 | 4,487,000 |
| Noninterest expense | 5,485,000 | 11,023,000 | 16,724,000 | 23,730,000 |
| Provision for loan losses | 375,000 | 500,000 | 500,000 | 500,000 |
| Pretax income | 933,000 | 1,965,000 | 3,014,000 | 3,125,000 |
| Income tax | 0 | 0 | 0 | 360,000 |
| Net income | 933,000 | 1,965,000 | 3,014,000 | 2,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,383,000 | 51,316,000 | 51,368,000 | 50,016,000 |
| Total capital | 54,461,000 | 55,320,000 | 55,386,000 | 54,122,000 |
| Risk-weighted assets | 322,345,000 | 316,559,000 | 318,036,000 | 325,449,000 |