Call reports 2009
LIBERTY STATE BANK — 2009
What LIBERTY STATE 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 | 120,665,000 | 124,035,000 | 121,321,000 | 130,450,000 |
| Total loans | 81,721,000 | 82,854,000 | 83,386,000 | 86,549,000 |
| Allowance for loan losses | 1,222,000 | 1,237,000 | 1,262,000 | 1,339,000 |
| Securities available for sale | 28,593,000 | 28,573,000 | 28,781,000 | 30,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,012,000 | 109,796,000 | 106,095,000 | 115,397,000 |
| Interest-bearing deposits | 94,615,000 | 97,429,000 | 95,145,000 | 103,515,000 |
| Noninterest-bearing deposits | 11,397,000 | 12,367,000 | 10,950,000 | 11,882,000 |
| Equity capital | 11,933,000 | 12,212,000 | 12,839,000 | 12,906,000 |
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 | 1,712,000 | 3,439,000 | 5,241,000 | 6,954,000 |
| Interest expense | 663,000 | 1,365,000 | 2,057,000 | 2,740,000 |
| Net interest income | 1,049,000 | 2,074,000 | 3,184,000 | 4,214,000 |
| Noninterest income | 205,000 | 447,000 | 683,000 | 899,000 |
| Noninterest expense | 784,000 | 1,636,000 | 2,474,000 | 3,324,000 |
| Provision for loan losses | 93,000 | 186,000 | 277,000 | 427,000 |
| Pretax income | 377,000 | 701,000 | 1,118,000 | 1,364,000 |
| Income tax | 75,000 | 135,000 | 225,000 | 254,000 |
| Net income | 302,000 | 566,000 | 893,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,743,000 | 12,030,000 | 12,245,000 | 12,461,000 |
| Total capital | 12,719,000 | 13,020,000 | 13,232,000 | 13,508,000 |
| Risk-weighted assets | 77,848,000 | 78,952,000 | 78,706,000 | 83,465,000 |
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