Call reports 2016
LIBERTY NATIONAL BANK — 2016
What LIBERTY NATIONAL 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 | 265,376,000 | 282,218,000 | 282,646,000 | 280,200,000 |
| Total loans | 193,169,000 | 198,710,000 | 202,658,000 | 207,094,000 |
| Allowance for loan losses | 2,029,000 | 2,108,000 | 2,229,000 | 2,064,000 |
| Securities available for sale | 43,731,000 | 43,796,000 | 43,001,000 | 41,866,000 |
| Securities held to maturity | 2,287,000 | 2,290,000 | 2,293,000 | 2,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,031,000 | 245,046,000 | 245,611,000 | 242,496,000 |
| Interest-bearing deposits | 175,094,000 | 186,888,000 | 189,414,000 | 181,599,000 |
| Noninterest-bearing deposits | 53,937,000 | 58,158,000 | 56,197,000 | 60,897,000 |
| Equity capital | 26,270,000 | 26,612,000 | 27,153,000 | 27,235,000 |
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 | 2,656,000 | 5,416,000 | 8,248,000 | 11,173,000 |
| Interest expense | 210,000 | 396,000 | 614,000 | 846,000 |
| Net interest income | 2,446,000 | 5,020,000 | 7,634,000 | 10,327,000 |
| Noninterest income | 245,000 | 554,000 | 905,000 | 1,212,000 |
| Noninterest expense | 1,850,000 | 3,808,000 | 5,865,000 | 7,985,000 |
| Provision for loan losses | 123,000 | 246,000 | 369,000 | 726,000 |
| Pretax income | 718,000 | 1,520,000 | 2,305,000 | 2,828,000 |
| Income tax | 196,000 | 439,000 | 664,000 | 805,000 |
| Net income | 522,000 | 1,081,000 | 1,641,000 | 2,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,527,000 | 24,726,000 | 25,286,000 | 26,157,000 |
| Total capital | 26,556,000 | 26,834,000 | 27,515,000 | 28,221,000 |
| Risk-weighted assets | 189,999,000 | 197,987,000 | 201,318,000 | 203,612,000 |