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 | 125,039,000 | 126,939,000 | 128,439,000 | 130,506,000 |
| Total loans | 61,749,000 | 62,768,000 | 63,738,000 | 64,113,000 |
| Allowance for loan losses | 626,000 | 652,000 | 636,000 | 652,000 |
| Securities available for sale | 35,740,000 | 43,220,000 | 42,137,000 | 42,244,000 |
| Securities held to maturity | 2,791,000 | 2,745,000 | 2,704,000 | 2,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,285,000 | 110,633,000 | 112,052,000 | 115,690,000 |
| Interest-bearing deposits | 86,355,000 | 87,283,000 | 89,868,000 | 91,974,000 |
| Noninterest-bearing deposits | 22,930,000 | 23,350,000 | 22,184,000 | 23,716,000 |
| Equity capital | 15,401,000 | 15,823,000 | 15,903,000 | 14,619,000 |
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 | 1,339,000 | 2,717,000 | 4,114,000 | 5,468,000 |
| Interest expense | 116,000 | 246,000 | 382,000 | 524,000 |
| Net interest income | 1,223,000 | 2,471,000 | 3,732,000 | 4,944,000 |
| Noninterest income | 206,000 | 422,000 | 645,000 | 877,000 |
| Noninterest expense | 1,223,000 | 2,344,000 | 3,618,000 | 4,821,000 |
| Provision for loan losses | 43,000 | 142,000 | 217,000 | 356,000 |
| Pretax income | 163,000 | 440,000 | 598,000 | 750,000 |
| Income tax | 0 | 35,000 | 39,000 | 19,000 |
| Net income | 163,000 | 405,000 | 559,000 | 731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,882,000 | 15,123,000 | 15,278,000 | 14,930,000 |
| Total capital | 15,508,000 | 15,775,000 | 15,914,000 | 15,582,000 |
| Risk-weighted assets | 84,404,000 | 89,242,000 | 90,069,000 | 92,524,000 |