Call reports 2006
LIBERTY NATIONAL BANK — 2006
What LIBERTY NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 156,937,000 | 155,789,000 | 157,756,000 | 171,056,000 |
| Total loans | 117,468,000 | 120,059,000 | 120,884,000 | 127,423,000 |
| Allowance for loan losses | 1,149,000 | 1,170,000 | 1,155,000 | 1,198,000 |
| Securities available for sale | 25,854,000 | 25,273,000 | 25,378,000 | 28,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,292,000 | 130,139,000 | 135,809,000 | 151,228,000 |
| Interest-bearing deposits | 104,069,000 | 103,187,000 | 107,844,000 | 120,748,000 |
| Noninterest-bearing deposits | 29,223,000 | 26,952,000 | 27,965,000 | 30,480,000 |
| Equity capital | 16,951,000 | 16,903,000 | 17,538,000 | 17,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,370,000 | 4,840,000 | 7,404,000 | 10,128,000 |
| Interest expense | 686,000 | 1,477,000 | 2,369,000 | 3,444,000 |
| Net interest income | 1,684,000 | 3,363,000 | 5,035,000 | 6,684,000 |
| Noninterest income | 232,000 | 490,000 | 756,000 | 1,013,000 |
| Noninterest expense | 1,250,000 | 2,471,000 | 3,756,000 | 5,149,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 636,000 | 1,322,000 | 1,945,000 | 2,430,000 |
| Income tax | 156,000 | 327,000 | 478,000 | 574,000 |
| Net income | 480,000 | 995,000 | 1,467,000 | 1,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,698,000 | 16,856,000 | 17,332,000 | 15,793,000 |
| Total capital | 17,847,000 | 18,026,000 | 18,487,000 | 16,991,000 |
| Risk-weighted assets | 110,931,000 | 113,126,000 | 113,912,000 | 117,716,000 |