Call reports 2009
LIBERTY TRUST & SAVINGS BANK — 2009
What LIBERTY TRUST & SAVINGS 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 | 118,195,000 | 119,718,000 | 118,855,000 | 120,293,000 |
| Total loans | 55,335,000 | 54,346,000 | 55,164,000 | 55,060,000 |
| Allowance for loan losses | 980,000 | 981,000 | 983,000 | 1,177,000 |
| Securities available for sale | 51,755,000 | 52,745,000 | 54,865,000 | 56,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,955,000 | 101,510,000 | 99,332,000 | 101,189,000 |
| Interest-bearing deposits | 87,050,000 | 87,747,000 | 85,888,000 | 86,004,000 |
| Noninterest-bearing deposits | 12,905,000 | 13,763,000 | 13,443,000 | 15,185,000 |
| Equity capital | 17,639,000 | 17,559,000 | 18,768,000 | 18,705,000 |
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 | 1,473,000 | 2,910,000 | 4,347,000 | 5,762,000 |
| Interest expense | 471,000 | 917,000 | 1,336,000 | 1,718,000 |
| Net interest income | 1,002,000 | 1,993,000 | 3,011,000 | 4,044,000 |
| Noninterest income | 128,000 | 262,000 | 398,000 | 539,000 |
| Noninterest expense | 657,000 | 1,357,000 | 2,024,000 | 2,763,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 474,000 | 900,000 | 1,387,000 | 1,622,000 |
| Income tax | 97,000 | 172,000 | 269,000 | 268,000 |
| Net income | 377,000 | 728,000 | 1,118,000 | 1,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,586,000 | 17,941,000 | 18,171,000 | 18,407,000 |
| Total capital | 18,429,000 | 18,784,000 | 19,008,000 | 19,252,000 |
| Risk-weighted assets | 67,309,000 | 67,158,000 | 66,817,000 | 67,261,000 |