Call reports 2009
LIBERTY NATIONAL BANK — 2009
What LIBERTY NATIONAL 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 | 171,216,000 | 179,618,000 | 180,691,000 | 181,272,000 |
| Total loans | 117,582,000 | 112,993,000 | 107,705,000 | 111,734,000 |
| Allowance for loan losses | 1,427,000 | 1,360,000 | 1,199,000 | 1,216,000 |
| Securities available for sale | 16,028,000 | 32,786,000 | 45,337,000 | 50,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,000,000 | 163,897,000 | 163,585,000 | 160,017,000 |
| Interest-bearing deposits | 131,426,000 | 135,984,000 | 137,083,000 | 134,647,000 |
| Noninterest-bearing deposits | 24,573,000 | 27,913,000 | 26,502,000 | 25,370,000 |
| Equity capital | 14,206,000 | 14,645,000 | 15,909,000 | 16,765,000 |
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 | 2,435,000 | 4,890,000 | 7,389,000 | 9,930,000 |
| Interest expense | 682,000 | 1,367,000 | 1,978,000 | 2,513,000 |
| Net interest income | 1,753,000 | 3,523,000 | 5,411,000 | 7,417,000 |
| Noninterest income | 421,000 | 804,000 | 1,172,000 | 1,555,000 |
| Noninterest expense | 1,858,000 | 3,787,000 | 6,029,000 | 7,758,000 |
| Provision for loan losses | 177,000 | 372,000 | 857,000 | 915,000 |
| Pretax income | 139,000 | 168,000 | -303,000 | 299,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 139,000 | 168,000 | -303,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,375,000 | 13,940,000 | 14,807,000 | 15,346,000 |
| Total capital | 14,802,000 | 15,300,000 | 16,006,000 | 16,562,000 |
| Risk-weighted assets | 116,028,000 | 114,422,000 | 109,944,000 | 113,230,000 |