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 | 270,867,000 | 276,632,000 | 268,275,000 | 273,067,000 |
| Total loans | 177,212,000 | 187,403,000 | 183,486,000 | 182,948,000 |
| Allowance for loan losses | 2,636,000 | 2,650,000 | 2,662,000 | 2,648,000 |
| Securities available for sale | 77,120,000 | 72,541,000 | 68,499,000 | 66,893,000 |
| Securities held to maturity | 6,981,000 | 6,985,000 | 6,931,000 | 6,936,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,912,000 | 239,342,000 | 234,769,000 | 237,311,000 |
| Interest-bearing deposits | 176,972,000 | 180,492,000 | 178,243,000 | 178,281,000 |
| Noninterest-bearing deposits | 52,940,000 | 58,851,000 | 56,526,000 | 59,030,000 |
| Equity capital | 31,338,000 | 31,962,000 | 32,487,000 | 34,580,000 |
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 | 2,375,000 | 5,008,000 | 7,676,000 | 10,358,000 |
| Interest expense | 141,000 | 288,000 | 433,000 | 578,000 |
| Net interest income | 2,234,000 | 4,720,000 | 7,243,000 | 9,780,000 |
| Noninterest income | 135,000 | 270,000 | 393,000 | 527,000 |
| Noninterest expense | 1,989,000 | 4,093,000 | 6,180,000 | 8,607,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 380,000 | 897,000 | 1,456,000 | 1,700,000 |
| Income tax | 0 | 0 | 0 | -2,088,000 |
| Net income | 380,000 | 897,000 | 1,456,000 | 3,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,415,000 | 31,932,000 | 32,491,000 | 32,762,000 |
| Total capital | 34,351,000 | 34,882,000 | 35,453,000 | 35,710,000 |
| Risk-weighted assets | 273,737,000 | 276,833,000 | 270,704,000 | 267,478,000 |