Call reports 2009
LIBERTYVILLE SAVINGS BANK — 2009
What LIBERTYVILLE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 162,615,000 | 159,324,000 | 163,064,000 | 173,773,000 |
| Total loans | 121,933,000 | 125,430,000 | 125,436,000 | 126,495,000 |
| Allowance for loan losses | 1,363,000 | 1,479,000 | 1,227,000 | 1,756,000 |
| Securities available for sale | 23,121,000 | 23,408,000 | 21,953,000 | 26,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,311,000 | 134,045,000 | 140,485,000 | 150,833,000 |
| Interest-bearing deposits | 113,110,000 | 118,472,000 | 124,353,000 | 129,884,000 |
| Noninterest-bearing deposits | 18,201,000 | 15,573,000 | 16,132,000 | 20,949,000 |
| Equity capital | 15,489,000 | 15,480,000 | 15,729,000 | 15,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,465,000 | 4,744,000 | 7,166,000 | 9,649,000 |
| Interest expense | 955,000 | 1,866,000 | 2,741,000 | 3,543,000 |
| Net interest income | 1,510,000 | 2,878,000 | 4,425,000 | 6,106,000 |
| Noninterest income | 121,000 | 310,000 | 633,000 | 847,000 |
| Noninterest expense | 955,000 | 1,989,000 | 2,973,000 | 3,790,000 |
| Provision for loan losses | 600,000 | 1,150,000 | 2,080,000 | 3,120,000 |
| Pretax income | 91,000 | 155,000 | 346,000 | 471,000 |
| Income tax | 5,000 | 8,000 | 16,000 | 29,000 |
| Net income | 86,000 | 147,000 | 330,000 | 442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,391,000 | 15,313,000 | 15,396,000 | 15,508,000 |
| Total capital | 16,754,000 | 16,792,000 | 16,623,000 | 17,169,000 |
| Risk-weighted assets | 126,849,000 | 129,273,000 | 129,836,000 | 132,746,000 |