Call reports 2009
LIBERTY BANK — 2009
What LIBERTY 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 | 269,853,000 | 269,549,000 | 279,349,000 | 276,491,000 |
| Total loans | 155,770,000 | 155,097,000 | 152,251,000 | 147,751,000 |
| Allowance for loan losses | 2,364,000 | 2,344,000 | 2,436,000 | 2,657,000 |
| Securities available for sale | 88,263,000 | 90,702,000 | 100,436,000 | 104,971,000 |
| Securities held to maturity | 2,068,000 | 1,891,000 | 1,769,000 | 1,667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,707,000 | 224,873,000 | 233,396,000 | 229,105,000 |
| Interest-bearing deposits | 206,522,000 | 202,714,000 | 210,001,000 | 206,831,000 |
| Noninterest-bearing deposits | 22,185,000 | 22,159,000 | 23,395,000 | 22,274,000 |
| Equity capital | 27,746,000 | 30,477,000 | 31,850,000 | 31,277,000 |
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 | 3,474,000 | 7,021,000 | 10,530,000 | 14,001,000 |
| Interest expense | 1,322,000 | 2,575,000 | 3,693,000 | 4,746,000 |
| Net interest income | 2,152,000 | 4,446,000 | 6,837,000 | 9,255,000 |
| Noninterest income | 412,000 | 816,000 | 1,276,000 | 1,782,000 |
| Noninterest expense | 1,697,000 | 3,609,000 | 5,596,000 | 7,304,000 |
| Provision for loan losses | 120,000 | 390,000 | 760,000 | 1,535,000 |
| Pretax income | 747,000 | 1,263,000 | 1,757,000 | 2,198,000 |
| Income tax | 197,000 | 299,000 | 403,000 | 478,000 |
| Net income | 550,000 | 964,000 | 1,354,000 | 1,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,726,000 | 23,571,000 | 23,904,000 | 23,958,000 |
| Total capital | 22,846,000 | 25,708,000 | 26,027,000 | 26,070,000 |
| Risk-weighted assets | 169,340,000 | 170,724,000 | 170,039,000 | 168,386,000 |
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