Call reports 2009
LIBERTY BANK FOR SAVINGS — 2009
What LIBERTY BANK FOR SAVINGS 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 | 774,840,000 | 794,753,000 | 813,280,000 | 822,226,000 |
| Total loans | 341,329,000 | 336,968,000 | 323,093,000 | 316,833,000 |
| Allowance for loan losses | 1,796,000 | 1,985,000 | 2,285,000 | 2,495,000 |
| Securities available for sale | 389,166,000 | 412,595,000 | 450,970,000 | 467,427,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 600,149,000 | 619,766,000 | 631,996,000 | 644,162,000 |
| Interest-bearing deposits | 579,570,000 | 595,788,000 | 607,325,000 | 619,030,000 |
| Noninterest-bearing deposits | 20,579,000 | 23,978,000 | 24,671,000 | 25,132,000 |
| Equity capital | 163,058,000 | 163,609,000 | 168,468,000 | 167,208,000 |
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 | 9,311,000 | 18,381,000 | 27,414,000 | 36,436,000 |
| Interest expense | 3,412,000 | 6,521,000 | 9,505,000 | 12,322,000 |
| Net interest income | 5,899,000 | 11,860,000 | 17,909,000 | 24,114,000 |
| Noninterest income | 574,000 | 1,008,000 | 1,385,000 | 1,782,000 |
| Noninterest expense | 3,982,000 | 7,821,000 | 11,486,000 | 15,350,000 |
| Provision for loan losses | 317,000 | 577,000 | 877,000 | 1,185,000 |
| Pretax income | 2,174,000 | 4,473,000 | 6,915,000 | 9,345,000 |
| Income tax | 561,000 | 1,281,000 | 2,061,000 | 2,835,000 |
| Net income | 1,613,000 | 3,192,000 | 4,854,000 | 6,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,430,000 | 156,002,000 | 157,658,000 | 159,312,000 |
| Total capital | 156,298,000 | 158,095,000 | 160,069,000 | 161,922,000 |
| Risk-weighted assets | 310,547,000 | 311,802,000 | 308,255,000 | 306,794,000 |