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 | 80,473,000 | 89,934,000 | 92,417,000 | 96,841,000 |
| Total loans | 57,844,000 | 57,477,000 | 56,803,000 | 61,562,000 |
| Allowance for loan losses | 730,000 | 730,000 | 730,000 | 735,000 |
| Securities available for sale | 11,092,000 | 14,397,000 | 19,772,000 | 23,828,000 |
| Securities held to maturity | 4,799,000 | 4,603,000 | 4,367,000 | 4,129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,580,000 | 66,897,000 | 67,573,000 | 68,205,000 |
| Interest-bearing deposits | 45,612,000 | 49,521,000 | 48,877,000 | 48,664,000 |
| Noninterest-bearing deposits | 15,968,000 | 17,376,000 | 18,696,000 | 19,541,000 |
| Equity capital | 8,702,000 | 8,850,000 | 9,639,000 | 9,424,000 |
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 | 876,000 | 1,767,000 | 2,671,000 | 3,731,000 |
| Interest expense | 103,000 | 217,000 | 356,000 | 489,000 |
| Net interest income | 773,000 | 1,550,000 | 2,315,000 | 3,242,000 |
| Noninterest income | 28,000 | 55,000 | 87,000 | 112,000 |
| Noninterest expense | 778,000 | 1,547,000 | 2,306,000 | 3,081,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 30,000 |
| Pretax income | 61,000 | 133,000 | 235,000 | 398,000 |
| Income tax | 0 | 0 | -830,000 | -830,000 |
| Net income | 61,000 | 133,000 | 1,065,000 | 1,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,162,000 | 8,241,000 | 8,632,000 | 8,801,000 |
| Total capital | 8,900,000 | 8,979,000 | 9,370,000 | 9,544,000 |
| Risk-weighted assets | 61,251,000 | 61,893,000 | 62,557,000 | 66,661,000 |