Call reports 2004
LIBERTY NATIONAL BANK — 2004
What LIBERTY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 102,365,000 | 110,628,000 | 113,350,000 | 117,642,000 |
| Total loans | 81,086,000 | 85,631,000 | 91,689,000 | 99,411,000 |
| Allowance for loan losses | 774,000 | 915,000 | 976,000 | 864,000 |
| Securities available for sale | 6,216,000 | 5,788,000 | 5,809,000 | 5,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,053,000 | 88,285,000 | 92,482,000 | 96,350,000 |
| Interest-bearing deposits | 68,963,000 | 67,997,000 | 69,601,000 | 71,506,000 |
| Noninterest-bearing deposits | 19,090,000 | 20,288,000 | 22,881,000 | 24,844,000 |
| Equity capital | 7,896,000 | 7,905,000 | 8,357,000 | 8,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,635,000 | 3,299,000 | 5,125,000 | 7,093,000 |
| Interest expense | 314,000 | 631,000 | 1,005,000 | 1,402,000 |
| Net interest income | 1,321,000 | 2,668,000 | 4,120,000 | 5,691,000 |
| Noninterest income | 218,000 | 464,000 | 748,000 | 1,013,000 |
| Noninterest expense | 973,000 | 2,011,000 | 3,181,000 | 4,413,000 |
| Provision for loan losses | 120,000 | 315,000 | 405,000 | 483,000 |
| Pretax income | 470,000 | 830,000 | 1,306,000 | 1,832,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 470,000 | 830,000 | 1,306,000 | 1,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,354,000 | 7,562,000 | 7,893,000 | 8,234,000 |
| Total capital | 8,128,000 | 8,477,000 | 8,869,000 | 9,098,000 |
| Risk-weighted assets | 77,875,000 | 82,574,000 | 87,886,000 | 94,127,000 |
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