Call reports 2016
LIBERTY BANK N.A. — 2016
What LIBERTY BANK N.A. 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 | 820,502,000 | 851,103,000 | 840,817,000 | 845,736,000 |
| Total loans | 630,258,000 | 630,383,000 | 638,486,000 | 651,589,000 |
| Allowance for loan losses | 6,530,000 | 6,662,000 | 6,962,000 | 7,562,000 |
| Securities available for sale | 95,279,000 | 94,381,000 | 92,237,000 | 88,749,000 |
| Securities held to maturity | 117,000 | 116,000 | 116,000 | 115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 638,216,000 | 680,820,000 | 669,425,000 | 674,684,000 |
| Interest-bearing deposits | 630,455,000 | 670,203,000 | 657,217,000 | 666,847,000 |
| Noninterest-bearing deposits | 7,761,000 | 10,617,000 | 12,208,000 | 7,837,000 |
| Equity capital | 114,431,000 | 117,573,000 | 119,386,000 | 121,951,000 |
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 | 7,097,000 | 15,417,000 | 22,859,000 | 31,737,000 |
| Interest expense | 1,655,000 | 3,557,000 | 5,525,000 | 7,519,000 |
| Net interest income | 5,442,000 | 11,860,000 | 17,334,000 | 24,218,000 |
| Noninterest income | 402,000 | 1,337,000 | 2,073,000 | 4,303,000 |
| Noninterest expense | 3,017,000 | 5,917,000 | 8,687,000 | 11,410,000 |
| Provision for loan losses | 250,000 | 450,000 | 750,000 | 1,350,000 |
| Pretax income | 2,577,000 | 6,830,000 | 9,970,000 | 15,761,000 |
| Income tax | 971,000 | 2,430,000 | 3,562,000 | 5,648,000 |
| Net income | 1,606,000 | 4,400,000 | 6,408,000 | 10,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,586,000 | 116,379,000 | 118,387,000 | 122,092,000 |
| Total capital | 120,166,000 | 123,091,000 | 125,399,000 | 129,704,000 |
| Risk-weighted assets | 730,043,000 | 733,001,000 | 750,392,000 | 760,838,000 |