Call reports 2009
LIBERTY BANK, INC. — 2009
What LIBERTY BANK, INC. 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 | 19,086,000 | 17,548,000 | 16,611,000 | 15,266,000 |
| Total loans | 14,479,000 | 13,164,000 | 12,535,000 | 10,616,000 |
| Allowance for loan losses | 340,000 | 376,000 | 194,000 | 175,000 |
| Securities available for sale | 1,787,000 | 1,693,000 | 1,200,000 | 1,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,112,000 | 14,050,000 | 13,593,000 | 12,641,000 |
| Interest-bearing deposits | 14,856,000 | 13,506,000 | 13,103,000 | 12,050,000 |
| Noninterest-bearing deposits | 257,000 | 544,000 | 490,000 | 591,000 |
| Equity capital | 2,907,000 | 2,669,000 | 2,176,000 | 1,806,000 |
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 | 267,000 | 489,000 | 694,000 | 903,000 |
| Interest expense | 135,000 | 249,000 | 349,000 | 431,000 |
| Net interest income | 132,000 | 240,000 | 345,000 | 472,000 |
| Noninterest income | -8,000 | -106,000 | -126,000 | -136,000 |
| Noninterest expense | 206,000 | 447,000 | 762,000 | 1,054,000 |
| Provision for loan losses | 180,000 | 358,000 | 694,000 | 893,000 |
| Pretax income | -262,000 | -671,000 | -1,233,000 | -1,607,000 |
| Income tax | -98,000 | -263,000 | -335,000 | -335,000 |
| Net income | -164,000 | -408,000 | -898,000 | -1,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,878,000 | 2,635,000 | 2,143,000 | 1,771,000 |
| Total capital | 3,027,000 | 2,772,000 | 2,269,000 | 1,889,000 |
| Risk-weighted assets | 11,755,000 | 10,722,000 | 10,012,000 | 9,365,000 |
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