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 | 93,432,000 | 94,334,000 | 97,310,000 | 99,333,000 |
| Total loans | 40,508,000 | 40,803,000 | 41,623,000 | 43,189,000 |
| Allowance for loan losses | 444,000 | 413,000 | 430,000 | 429,000 |
| Securities available for sale | 27,407,000 | 28,484,000 | 27,325,000 | 32,300,000 |
| Securities held to maturity | 10,518,000 | 9,697,000 | 8,119,000 | 7,663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,376,000 | 81,250,000 | 83,540,000 | 86,650,000 |
| Interest-bearing deposits | 67,435,000 | 67,849,000 | 70,406,000 | 72,392,000 |
| Noninterest-bearing deposits | 12,941,000 | 13,401,000 | 13,134,000 | 14,258,000 |
| Equity capital | 12,680,000 | 12,756,000 | 13,380,000 | 12,452,000 |
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 | 1,360,000 | 2,677,000 | 4,029,000 | 5,296,000 |
| Interest expense | 412,000 | 800,000 | 1,173,000 | 1,528,000 |
| Net interest income | 948,000 | 1,877,000 | 2,856,000 | 3,768,000 |
| Noninterest income | 191,000 | 387,000 | 582,000 | 782,000 |
| Noninterest expense | 788,000 | 1,535,000 | 2,308,000 | 3,253,000 |
| Provision for loan losses | 0 | 15,000 | 75,000 | 245,000 |
| Pretax income | 351,000 | 485,000 | 815,000 | 925,000 |
| Income tax | 142,000 | 169,000 | 289,000 | 303,000 |
| Net income | 209,000 | 316,000 | 526,000 | 622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,818,000 | 12,925,000 | 13,134,000 | 12,609,000 |
| Total capital | 13,262,000 | 13,338,000 | 13,564,000 | 13,038,000 |
| Risk-weighted assets | 50,083,000 | 54,331,000 | 55,251,000 | 56,372,000 |