Call reports 2009
LIBERTY BANK AND TRUST COMPANY — 2009
What LIBERTY BANK AND TRUST COMPANY 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 | 405,513,000 | 412,202,000 | 402,917,000 | 423,239,000 |
| Total loans | 175,020,000 | 189,713,000 | 196,578,000 | 195,975,000 |
| Allowance for loan losses | 3,262,000 | 3,297,000 | 3,250,000 | 3,742,000 |
| Securities available for sale | 142,270,000 | 142,681,000 | 153,780,000 | 149,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,241,000 | 372,603,000 | 361,107,000 | 381,318,000 |
| Interest-bearing deposits | 235,988,000 | 269,940,000 | 253,037,000 | 281,358,000 |
| Noninterest-bearing deposits | 129,253,000 | 102,663,000 | 108,070,000 | 99,960,000 |
| Equity capital | 32,673,000 | 32,274,000 | 34,707,000 | 34,152,000 |
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 | 4,947,000 | 10,459,000 | 15,968,000 | 22,177,000 |
| Interest expense | 1,058,000 | 2,136,000 | 3,142,000 | 4,130,000 |
| Net interest income | 3,889,000 | 8,323,000 | 12,826,000 | 18,047,000 |
| Noninterest income | 815,000 | 1,770,000 | 2,876,000 | 5,563,000 |
| Noninterest expense | 3,814,000 | 8,678,000 | 13,195,000 | 19,999,000 |
| Provision for loan losses | 150,000 | 375,000 | 600,000 | 1,325,000 |
| Pretax income | 740,000 | 1,040,000 | 1,907,000 | 2,288,000 |
| Income tax | 0 | 3,000 | 3,000 | 60,000 |
| Net income | 740,000 | 1,037,000 | 1,904,000 | 2,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,128,000 | 31,336,000 | 32,203,000 | 31,810,000 |
| Total capital | 33,634,000 | 34,064,000 | 34,996,000 | 34,646,000 |
| Risk-weighted assets | 200,963,000 | 217,638,000 | 223,302,000 | 225,240,000 |
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