Call reports 2006
LIBERTY NATIONAL BANK — 2006
What LIBERTY NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 155,075,000 | 160,547,000 | 167,929,000 | 170,982,000 |
| Total loans | 130,065,000 | 139,466,000 | 148,663,000 | 149,798,000 |
| Allowance for loan losses | 1,122,000 | 1,046,000 | 1,162,000 | 1,282,000 |
| Securities available for sale | 5,450,000 | 5,176,000 | 5,148,000 | 5,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,884,000 | 143,206,000 | 153,436,000 | 151,498,000 |
| Interest-bearing deposits | 113,157,000 | 120,658,000 | 127,219,000 | 129,916,000 |
| Noninterest-bearing deposits | 25,727,000 | 22,547,000 | 26,217,000 | 21,582,000 |
| Equity capital | 13,208,000 | 12,643,000 | 13,038,000 | 13,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,721,000 | 5,688,000 | 8,907,000 | 12,371,000 |
| Interest expense | 874,000 | 1,871,000 | 3,107,000 | 4,494,000 |
| Net interest income | 1,847,000 | 3,817,000 | 5,800,000 | 7,877,000 |
| Noninterest income | 357,000 | 686,000 | 1,058,000 | 1,406,000 |
| Noninterest expense | 1,576,000 | 3,175,000 | 4,781,000 | 6,488,000 |
| Provision for loan losses | 100,000 | 228,000 | 378,000 | 715,000 |
| Pretax income | 528,000 | 1,100,000 | 1,699,000 | 2,080,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 528,000 | 1,100,000 | 1,699,000 | 2,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,861,000 | 12,374,000 | 12,696,000 | 13,008,000 |
| Total capital | 13,983,000 | 13,420,000 | 13,858,000 | 14,290,000 |
| Risk-weighted assets | 124,196,000 | 130,873,000 | 137,777,000 | 138,790,000 |