Call reports 2004
LIBERTY NATIONAL BANK — 2004
What LIBERTY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 152,211,000 | 153,846,000 | 154,263,000 | 154,395,000 |
| Total loans | 112,860,000 | 116,708,000 | 119,154,000 | 116,014,000 |
| Allowance for loan losses | 1,076,000 | 1,120,000 | 1,164,000 | 1,163,000 |
| Securities available for sale | 28,995,000 | 26,524,000 | 24,554,000 | 27,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,012,000 | 120,560,000 | 129,952,000 | 131,594,000 |
| Interest-bearing deposits | 100,398,000 | 97,485,000 | 103,707,000 | 103,306,000 |
| Noninterest-bearing deposits | 25,614,000 | 23,075,000 | 26,245,000 | 28,288,000 |
| Equity capital | 16,678,000 | 16,271,000 | 16,907,000 | 15,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,014,000 | 3,976,000 | 6,032,000 | 8,141,000 |
| Interest expense | 399,000 | 758,000 | 1,154,000 | 1,595,000 |
| Net interest income | 1,615,000 | 3,218,000 | 4,878,000 | 6,546,000 |
| Noninterest income | 246,000 | 553,000 | 848,000 | 1,110,000 |
| Noninterest expense | 1,279,000 | 2,575,000 | 3,948,000 | 5,260,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 210,000 |
| Pretax income | 522,000 | 1,076,000 | 1,616,000 | 2,204,000 |
| Income tax | 122,000 | 256,000 | 388,000 | 543,000 |
| Net income | 400,000 | 820,000 | 1,228,000 | 1,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,541,000 | 15,637,000 | 16,047,000 | 15,127,000 |
| Total capital | 16,617,000 | 16,757,000 | 17,211,000 | 16,290,000 |
| Risk-weighted assets | 106,832,000 | 110,675,000 | 112,559,000 | 109,380,000 |