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 | 54,901,000 | 54,040,000 | 54,306,000 | 54,955,000 |
| Total loans | 34,190,000 | 33,368,000 | 32,759,000 | 32,446,000 |
| Allowance for loan losses | 136,000 | 119,000 | 113,000 | 125,000 |
| Securities available for sale | 10,135,000 | 9,769,000 | 9,246,000 | 8,593,000 |
| Securities held to maturity | 248,000 | 224,000 | 209,000 | 195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,897,000 | 45,844,000 | 46,009,000 | 45,812,000 |
| Interest-bearing deposits | 38,183,000 | 37,512,000 | 37,299,000 | 37,048,000 |
| Noninterest-bearing deposits | 8,714,000 | 8,332,000 | 8,710,000 | 8,764,000 |
| Equity capital | 7,876,000 | 8,019,000 | 8,057,000 | 7,934,000 |
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 | 536,000 | 1,050,000 | 1,554,000 | 2,066,000 |
| Interest expense | 32,000 | 63,000 | 93,000 | 123,000 |
| Net interest income | 504,000 | 987,000 | 1,461,000 | 1,943,000 |
| Noninterest income | 38,000 | 77,000 | 118,000 | 171,000 |
| Noninterest expense | 467,000 | 902,000 | 1,337,000 | 1,787,000 |
| Provision for loan losses | 0 | 16,000 | 20,000 | 32,000 |
| Pretax income | 75,000 | 146,000 | 222,000 | 295,000 |
| Income tax | 8,000 | 15,000 | 25,000 | 21,000 |
| Net income | 67,000 | 131,000 | 197,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,752,000 | 7,816,000 | 7,882,000 | 7,959,000 |
| Total capital | 7,888,000 | 7,935,000 | 7,995,000 | 8,084,000 |
| Risk-weighted assets | 28,644,000 | 27,929,000 | 27,706,000 | 27,393,000 |