Call reports 2009
LIBERTY NATIONAL BANK — 2009
What LIBERTY NATIONAL 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 | 194,872,000 | 197,920,000 | 189,809,000 | 192,310,000 |
| Total loans | 136,262,000 | 133,857,000 | 136,390,000 | 139,430,000 |
| Allowance for loan losses | 1,325,000 | 1,191,000 | 1,220,000 | 1,736,000 |
| Securities available for sale | 38,634,000 | 39,928,000 | 39,460,000 | 36,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,552,000 | 161,587,000 | 151,996,000 | 155,518,000 |
| Interest-bearing deposits | 125,296,000 | 133,393,000 | 124,824,000 | 126,471,000 |
| Noninterest-bearing deposits | 33,256,000 | 28,194,000 | 27,172,000 | 29,047,000 |
| Equity capital | 19,265,000 | 19,210,000 | 20,219,000 | 19,757,000 |
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 | 2,478,000 | 4,953,000 | 7,354,000 | 9,713,000 |
| Interest expense | 750,000 | 1,492,000 | 2,174,000 | 2,682,000 |
| Net interest income | 1,728,000 | 3,461,000 | 5,180,000 | 7,031,000 |
| Noninterest income | 304,000 | 624,000 | 1,117,000 | 1,424,000 |
| Noninterest expense | 1,497,000 | 2,966,000 | 4,640,000 | 6,325,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 680,000 |
| Pretax income | 490,000 | 1,030,000 | 1,524,000 | 1,892,000 |
| Income tax | 117,000 | 253,000 | 375,000 | 450,000 |
| Net income | 373,000 | 777,000 | 1,149,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,897,000 | 17,019,000 | 17,413,000 | 17,446,000 |
| Total capital | 18,222,000 | 18,210,000 | 18,633,000 | 19,100,000 |
| Risk-weighted assets | 133,864,000 | 132,223,000 | 131,827,000 | 134,320,000 |