Call reports 2009
LIBERTY FIRST BANK — 2009
What LIBERTY FIRST 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 | 89,265,000 | 91,322,000 | 93,511,000 | 94,322,000 |
| Total loans | 57,868,000 | 60,714,000 | 64,786,000 | 65,938,000 |
| Allowance for loan losses | 605,000 | 663,000 | 721,000 | 859,000 |
| Securities available for sale | 18,370,000 | 16,339,000 | 13,474,000 | 13,430,000 |
| Securities held to maturity | 6,407,000 | 5,778,000 | 4,376,000 | 4,956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,166,000 | 74,847,000 | 76,748,000 | 78,134,000 |
| Interest-bearing deposits | 67,865,000 | 70,291,000 | 71,732,000 | 69,133,000 |
| Noninterest-bearing deposits | 4,301,000 | 4,556,000 | 5,016,000 | 9,001,000 |
| Equity capital | 10,644,000 | 10,378,000 | 10,740,000 | 10,459,000 |
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 | 1,056,000 | 2,242,000 | 3,439,000 | 4,602,000 |
| Interest expense | 528,000 | 1,077,000 | 1,592,000 | 2,056,000 |
| Net interest income | 528,000 | 1,165,000 | 1,847,000 | 2,546,000 |
| Noninterest income | 111,000 | 154,000 | 162,000 | 155,000 |
| Noninterest expense | 506,000 | 1,074,000 | 1,578,000 | 2,393,000 |
| Provision for loan losses | 55,000 | 140,000 | 270,000 | 398,000 |
| Pretax income | 111,000 | 138,000 | 200,000 | 115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 111,000 | 138,000 | 200,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,274,000 | 10,310,000 | 10,381,000 | 10,306,000 |
| Total capital | 10,879,000 | 10,973,000 | 11,102,000 | 11,160,000 |
| Risk-weighted assets | 64,955,000 | 66,229,000 | 67,402,000 | 67,539,000 |
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