Call reports 2009
LIBERTYPOINTE BANK — 2009
What LIBERTYPOINTE 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 | 243,791,000 | 222,244,000 | 211,712,000 | 216,500,000 |
| Total loans | 202,127,000 | 189,677,000 | 187,718,000 | 183,012,000 |
| Allowance for loan losses | 6,418,000 | 7,118,000 | 10,500,000 | 6,846,000 |
| Securities available for sale | 23,565,000 | 3,001,000 | 3,003,000 | 5,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,775,000 | 206,605,000 | 203,276,000 | 209,477,000 |
| Interest-bearing deposits | 185,920,000 | 184,324,000 | 181,792,000 | 190,831,000 |
| Noninterest-bearing deposits | 40,855,000 | 22,281,000 | 21,484,000 | 18,646,000 |
| Equity capital | 15,054,000 | 11,764,000 | 5,822,000 | 4,766,000 |
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 | 3,599,000 | 6,640,000 | 9,011,000 | 11,319,000 |
| Interest expense | 1,789,000 | 3,382,000 | 4,822,000 | 6,106,000 |
| Net interest income | 1,810,000 | 3,258,000 | 4,189,000 | 5,213,000 |
| Noninterest income | 165,000 | 211,000 | 228,000 | 416,000 |
| Noninterest expense | 2,289,000 | 4,740,000 | 7,775,000 | 9,775,000 |
| Provision for loan losses | 600,000 | 2,435,000 | 6,259,000 | 6,495,000 |
| Pretax income | -816,000 | -3,686,000 | -9,597,000 | -10,621,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 120,000 |
| Net income | -846,000 | -3,746,000 | -9,687,000 | -10,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,663,000 | 11,764,000 | 5,822,000 | 4,769,000 |
| Total capital | 17,021,000 | 13,916,000 | 7,928,000 | 6,825,000 |
| Risk-weighted assets | 184,521,000 | 167,179,000 | 160,110,000 | 159,551,000 |