Call reports 2009
LIBERTY BANK N.A. — 2009
What LIBERTY BANK N.A. 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 | 316,743,000 | 339,439,000 | 348,687,000 | 300,077,000 |
| Total loans | 206,107,000 | 204,639,000 | 193,970,000 | 194,777,000 |
| Allowance for loan losses | 2,363,000 | 2,563,000 | 2,799,000 | 2,899,000 |
| Securities available for sale | 81,018,000 | 106,489,000 | 101,819,000 | 54,864,000 |
| Securities held to maturity | 1,357,000 | 1,349,000 | 1,195,000 | 1,185,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,238,000 | 224,083,000 | 229,838,000 | 214,512,000 |
| Interest-bearing deposits | 223,093,000 | 219,113,000 | 225,132,000 | 212,480,000 |
| Noninterest-bearing deposits | 4,144,000 | 4,970,000 | 4,706,000 | 2,032,000 |
| Equity capital | 42,372,000 | 65,739,000 | 69,025,000 | 70,654,000 |
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 | 4,646,000 | 9,570,000 | 14,301,000 | 18,189,000 |
| Interest expense | 1,774,000 | 3,425,000 | 4,970,000 | 6,254,000 |
| Net interest income | 2,872,000 | 6,145,000 | 9,331,000 | 11,935,000 |
| Noninterest income | 322,000 | 366,000 | 494,000 | 586,000 |
| Noninterest expense | 1,035,000 | 1,979,000 | 2,927,000 | 3,886,000 |
| Provision for loan losses | 300,000 | 500,000 | 750,000 | 850,000 |
| Pretax income | 1,859,000 | 4,032,000 | 7,821,000 | 11,249,000 |
| Income tax | 606,000 | 1,312,000 | 2,642,000 | 3,844,000 |
| Net income | 1,253,000 | 2,720,000 | 5,179,000 | 7,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,709,000 | 64,176,000 | 66,637,000 | 68,862,000 |
| Total capital | 45,072,000 | 66,759,000 | 69,456,000 | 71,781,000 |
| Risk-weighted assets | 278,619,000 | 301,065,000 | 289,611,000 | 271,068,000 |