Call reports 2009
WEST LIBERTY STATE BANK — 2009
What WEST LIBERTY STATE 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 | 104,865,000 | 100,017,000 | 86,684,000 | 83,379,000 |
| Total loans | 34,910,000 | 33,993,000 | 31,565,000 | 29,533,000 |
| Allowance for loan losses | 949,000 | 1,008,000 | 642,000 | 1,374,000 |
| Securities available for sale | 55,743,000 | 47,825,000 | 42,297,000 | 41,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,807,000 | 65,199,000 | 62,019,000 | 61,714,000 |
| Interest-bearing deposits | 63,618,000 | 59,091,000 | 55,948,000 | 54,282,000 |
| Noninterest-bearing deposits | 6,189,000 | 6,108,000 | 6,071,000 | 7,433,000 |
| Equity capital | 13,611,000 | 13,474,000 | 13,076,000 | 10,319,000 |
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 | 1,227,000 | 2,395,000 | 3,419,000 | 4,377,000 |
| Interest expense | 573,000 | 1,118,000 | 1,505,000 | 1,887,000 |
| Net interest income | 654,000 | 1,277,000 | 1,914,000 | 2,490,000 |
| Noninterest income | 55,000 | 114,000 | -77,000 | -701,000 |
| Noninterest expense | 552,000 | 1,086,000 | 1,545,000 | 2,672,000 |
| Provision for loan losses | 300,000 | 542,000 | 1,242,000 | 2,432,000 |
| Pretax income | -447,000 | -237,000 | -687,000 | -3,058,000 |
| Income tax | -21,000 | -11,000 | -35,000 | -108,000 |
| Net income | -426,000 | -226,000 | -652,000 | -2,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,604,000 | 8,793,000 | 8,377,000 | 6,779,000 |
| Total capital | 9,227,000 | 9,403,000 | 8,919,000 | 7,306,000 |
| Risk-weighted assets | 49,531,000 | 48,371,000 | 43,296,000 | 41,290,000 |
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