Call reports 2016
FIRST LIBERTY BANK — 2016
What FIRST 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 | 255,445,000 | 270,632,000 | 298,079,000 | 310,636,000 |
| Total loans | 200,633,000 | 217,827,000 | 247,498,000 | 259,396,000 |
| Allowance for loan losses | 3,196,000 | 3,376,000 | 3,523,000 | 3,392,000 |
| Securities available for sale | 35,556,000 | 30,665,000 | 30,071,000 | 28,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,894,000 | 240,311,000 | 266,448,000 | 279,410,000 |
| Interest-bearing deposits | 162,194,000 | 185,629,000 | 212,294,000 | 221,669,000 |
| Noninterest-bearing deposits | 63,700,000 | 54,682,000 | 54,154,000 | 57,741,000 |
| Equity capital | 28,725,000 | 29,574,000 | 30,775,000 | 30,473,000 |
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 | 2,926,000 | 5,999,000 | 9,268,000 | 12,802,000 |
| Interest expense | 285,000 | 634,000 | 1,069,000 | 1,560,000 |
| Net interest income | 2,641,000 | 5,365,000 | 8,199,000 | 11,242,000 |
| Noninterest income | 461,000 | 1,484,000 | 2,116,000 | 3,530,000 |
| Noninterest expense | 2,181,000 | 4,838,000 | 7,695,000 | 10,927,000 |
| Provision for loan losses | 81,000 | 261,000 | 326,000 | 436,000 |
| Pretax income | 1,002,000 | 2,079,000 | 2,668,000 | 3,783,000 |
| Income tax | 324,000 | 678,000 | 827,000 | 1,085,000 |
| Net income | 678,000 | 1,401,000 | 1,841,000 | 2,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,186,000 | 28,781,000 | 30,090,000 | 30,815,000 |
| Total capital | 31,014,000 | 31,868,000 | 33,613,000 | 34,207,000 |
| Risk-weighted assets | 225,848,000 | 246,684,000 | 282,401,000 | 303,497,000 |