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 | 922,327,000 | 936,985,000 | 937,344,000 | 949,895,000 |
| Total loans | 800,325,000 | 807,937,000 | 812,314,000 | 838,533,000 |
| Allowance for loan losses | 10,003,000 | 10,016,000 | 10,206,000 | 10,298,000 |
| Securities available for sale | 2,201,000 | 250,000 | 2,409,000 | 2,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 708,102,000 | 721,868,000 | 737,986,000 | 754,808,000 |
| Interest-bearing deposits | 678,934,000 | 690,534,000 | 707,926,000 | 722,814,000 |
| Noninterest-bearing deposits | 29,168,000 | 31,334,000 | 30,060,000 | 31,994,000 |
| Equity capital | 89,430,000 | 89,842,000 | 91,364,000 | 93,030,000 |
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 | 11,559,000 | 23,484,000 | 35,817,000 | 48,268,000 |
| Interest expense | 4,714,000 | 9,396,000 | 13,719,000 | 17,517,000 |
| Net interest income | 6,845,000 | 14,088,000 | 22,098,000 | 30,751,000 |
| Noninterest income | 2,355,000 | 4,832,000 | 7,392,000 | 10,100,000 |
| Noninterest expense | 5,658,000 | 11,663,000 | 17,428,000 | 23,366,000 |
| Provision for loan losses | 1,551,000 | 3,190,000 | 4,000,000 | 5,300,000 |
| Pretax income | 1,991,000 | 4,067,000 | 8,062,000 | 12,185,000 |
| Income tax | 646,000 | 1,335,000 | 2,681,000 | 4,072,000 |
| Net income | 1,345,000 | 2,732,000 | 5,381,000 | 8,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,579,000 | 86,991,000 | 88,510,000 | 90,180,000 |
| Total capital | 95,659,000 | 96,041,000 | 97,544,000 | 99,445,000 |
| Risk-weighted assets | 725,495,000 | 723,029,000 | 721,552,000 | 740,204,000 |