Call reports 2007
LIBERTY NATIONAL BANK — 2007
What LIBERTY NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 169,802,000 | 171,415,000 | 175,917,000 | 180,644,000 |
| Total loans | 126,437,000 | 128,013,000 | 131,045,000 | 134,589,000 |
| Allowance for loan losses | 1,191,000 | 1,204,000 | 1,202,000 | 1,400,000 |
| Securities available for sale | 28,876,000 | 30,490,000 | 30,717,000 | 31,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,834,000 | 151,154,000 | 148,324,000 | 149,323,000 |
| Interest-bearing deposits | 120,192,000 | 119,060,000 | 119,276,000 | 121,191,000 |
| Noninterest-bearing deposits | 29,642,000 | 32,094,000 | 29,048,000 | 28,132,000 |
| Equity capital | 18,092,000 | 17,872,000 | 18,474,000 | 18,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,674,000 | 5,442,000 | 8,202,000 | 10,990,000 |
| Interest expense | 1,038,000 | 2,129,000 | 3,260,000 | 4,365,000 |
| Net interest income | 1,636,000 | 3,313,000 | 4,942,000 | 6,625,000 |
| Noninterest income | 252,000 | 535,000 | 815,000 | 1,091,000 |
| Noninterest expense | 1,365,000 | 2,678,000 | 4,107,000 | 5,472,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 320,000 |
| Pretax income | 493,000 | 1,110,000 | 1,560,000 | 1,928,000 |
| Income tax | 106,000 | 248,000 | 347,000 | 441,000 |
| Net income | 387,000 | 862,000 | 1,213,000 | 1,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,204,000 | 16,336,000 | 16,712,000 | 16,647,000 |
| Total capital | 17,395,000 | 17,540,000 | 17,915,000 | 18,047,000 |
| Risk-weighted assets | 117,399,000 | 120,469,000 | 123,915,000 | 127,664,000 |