Call reports 2009
LIBERTYBANK — 2009
What LIBERTYBANK 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 | 901,876,000 | 873,504,000 | 855,959,000 | 821,688,000 |
| Total loans | 805,384,000 | 743,324,000 | 683,344,000 | 641,406,000 |
| Allowance for loan losses | 19,479,000 | 16,569,000 | 23,450,000 | 15,970,000 |
| Securities available for sale | 35,267,000 | 34,959,000 | 40,990,000 | 40,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 774,664,000 | 782,921,000 | 789,969,000 | 757,309,000 |
| Interest-bearing deposits | 709,740,000 | 716,894,000 | 717,532,000 | 690,411,000 |
| Noninterest-bearing deposits | 64,924,000 | 66,027,000 | 72,437,000 | 66,898,000 |
| Equity capital | 70,880,000 | 58,615,000 | 51,291,000 | 47,092,000 |
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 | 15,075,000 | 29,093,000 | 42,267,000 | 54,689,000 |
| Interest expense | 5,117,000 | 9,868,000 | 14,247,000 | 17,634,000 |
| Net interest income | 9,958,000 | 19,225,000 | 28,020,000 | 37,055,000 |
| Noninterest income | 74,000 | -819,000 | -1,145,000 | -4,518,000 |
| Noninterest expense | 7,031,000 | 14,882,000 | 22,151,000 | 29,764,000 |
| Provision for loan losses | 12,035,000 | 32,870,000 | 54,760,000 | 59,645,000 |
| Pretax income | -9,034,000 | -29,022,000 | -49,712,000 | -56,548,000 |
| Income tax | -3,523,000 | -11,484,000 | -19,553,000 | -22,219,000 |
| Net income | -5,511,000 | -17,538,000 | -30,159,000 | -34,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,290,000 | 53,104,000 | 35,093,000 | 36,512,000 |
| Total capital | 85,726,000 | 67,735,000 | 44,060,000 | 44,925,000 |
| Risk-weighted assets | 825,633,000 | 763,438,000 | 702,751,000 | 665,382,000 |