Call reports 2016
LIBERTY TRUST & SAVINGS BANK — 2016
What LIBERTY TRUST & SAVINGS 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 | 150,081,000 | 149,689,000 | 151,400,000 | 150,056,000 |
| Total loans | 71,236,000 | 73,730,000 | 73,716,000 | 75,528,000 |
| Allowance for loan losses | 1,290,000 | 1,307,000 | 1,307,000 | 1,307,000 |
| Securities available for sale | 65,472,000 | 65,454,000 | 66,198,000 | 62,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,739,000 | 114,461,000 | 112,132,000 | 115,881,000 |
| Interest-bearing deposits | 93,345,000 | 95,084,000 | 93,220,000 | 92,580,000 |
| Noninterest-bearing deposits | 20,394,000 | 19,377,000 | 18,912,000 | 23,301,000 |
| Equity capital | 27,401,000 | 28,200,000 | 28,319,000 | 27,337,000 |
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 | 1,316,000 | 2,699,000 | 4,032,000 | 5,357,000 |
| Interest expense | 119,000 | 244,000 | 365,000 | 492,000 |
| Net interest income | 1,197,000 | 2,455,000 | 3,667,000 | 4,865,000 |
| Noninterest income | 130,000 | 235,000 | 369,000 | 499,000 |
| Noninterest expense | 716,000 | 1,423,000 | 2,125,000 | 2,912,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 611,000 | 1,274,000 | 1,918,000 | 2,460,000 |
| Income tax | 160,000 | 340,000 | 512,000 | 651,000 |
| Net income | 451,000 | 934,000 | 1,406,000 | 1,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,037,000 | 26,529,000 | 26,800,000 | 27,202,000 |
| Total capital | 27,092,000 | 27,620,000 | 27,902,000 | 28,319,000 |
| Risk-weighted assets | 84,202,000 | 87,024,000 | 87,904,000 | 89,150,000 |