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 | 338,702,000 | 343,270,000 | 344,834,000 | 363,858,000 |
| Total loans | 247,946,000 | 252,791,000 | 258,065,000 | 272,438,000 |
| Allowance for loan losses | 3,125,000 | 3,189,000 | 3,219,000 | 3,416,000 |
| Securities available for sale | 55,414,000 | 57,290,000 | 53,575,000 | 54,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,188,000 | 273,153,000 | 280,091,000 | 293,581,000 |
| Interest-bearing deposits | 227,267,000 | 210,632,000 | 224,121,000 | 232,799,000 |
| Noninterest-bearing deposits | 59,920,000 | 62,521,000 | 55,970,000 | 60,782,000 |
| Equity capital | 40,503,000 | 41,334,000 | 42,039,000 | 42,129,000 |
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 | 3,086,000 | 6,334,000 | 9,527,000 | 12,879,000 |
| Interest expense | 287,000 | 583,000 | 895,000 | 1,239,000 |
| Net interest income | 2,799,000 | 5,751,000 | 8,632,000 | 11,640,000 |
| Noninterest income | 474,000 | 956,000 | 1,517,000 | 2,056,000 |
| Noninterest expense | 2,131,000 | 4,348,000 | 6,535,000 | 8,701,000 |
| Provision for loan losses | 45,000 | 110,000 | 140,000 | 337,000 |
| Pretax income | 1,105,000 | 2,257,000 | 3,525,000 | 4,798,000 |
| Income tax | 353,000 | 731,000 | 1,160,000 | 1,589,000 |
| Net income | 752,000 | 1,526,000 | 2,365,000 | 3,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,971,000 | 30,775,000 | 31,544,000 | 32,418,000 |
| Total capital | 33,096,000 | 33,964,000 | 34,763,000 | 35,834,000 |
| Risk-weighted assets | 275,573,000 | 274,365,000 | 279,828,000 | 296,207,000 |