Call reports 2016
LIBERTY BANK MINNESOTA — 2016
What LIBERTY BANK MINNESOTA 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 | 197,547,000 | 193,121,000 | 202,511,000 | 201,970,000 |
| Total loans | 99,999,000 | 108,509,000 | 110,394,000 | 114,414,000 |
| Allowance for loan losses | 1,563,000 | 1,304,000 | 1,334,000 | 1,338,000 |
| Securities available for sale | 42,041,000 | 41,230,000 | 37,880,000 | 38,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,037,000 | 169,974,000 | 178,521,000 | 178,807,000 |
| Interest-bearing deposits | 135,831,000 | 133,936,000 | 137,045,000 | 141,052,000 |
| Noninterest-bearing deposits | 38,206,000 | 36,038,000 | 41,476,000 | 37,755,000 |
| Equity capital | 23,105,000 | 22,889,000 | 23,638,000 | 23,017,000 |
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 | 1,436,000 | 2,879,000 | 4,344,000 | 5,838,000 |
| Interest expense | 84,000 | 167,000 | 250,000 | 334,000 |
| Net interest income | 1,352,000 | 2,712,000 | 4,094,000 | 5,504,000 |
| Noninterest income | 1,923,000 | 3,152,000 | 5,110,000 | 6,577,000 |
| Noninterest expense | 1,787,000 | 3,837,000 | 5,854,000 | 7,788,000 |
| Provision for loan losses | 0 | -250,000 | -176,000 | -143,000 |
| Pretax income | 1,489,000 | 2,279,000 | 3,529,000 | 4,439,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,489,000 | 2,279,000 | 3,529,000 | 4,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,488,000 | 20,070,000 | 21,040,000 | 21,531,000 |
| Total capital | 21,734,000 | 21,281,000 | 22,283,000 | 22,806,000 |
| Risk-weighted assets | 96,791,000 | 94,380,000 | 96,987,000 | 99,647,000 |