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 | 179,088,000 | 178,808,000 | 188,351,000 | 209,206,000 |
| Total loans | 141,777,000 | 140,771,000 | 153,860,000 | 159,712,000 |
| Allowance for loan losses | 1,788,000 | 1,923,000 | 2,006,000 | 2,142,000 |
| Securities available for sale | 14,241,000 | 16,030,000 | 15,954,000 | 14,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,277,000 | 161,492,000 | 170,418,000 | 160,985,000 |
| Interest-bearing deposits | 134,800,000 | 131,339,000 | 145,072,000 | 135,625,000 |
| Noninterest-bearing deposits | 27,477,000 | 30,153,000 | 25,346,000 | 25,360,000 |
| Equity capital | 13,994,000 | 14,206,000 | 14,874,000 | 40,709,000 |
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 | 2,282,000 | 4,622,000 | 7,144,000 | 989,000 |
| Interest expense | 700,000 | 1,453,000 | 2,199,000 | 194,000 |
| Net interest income | 1,582,000 | 3,169,000 | 4,945,000 | 795,000 |
| Noninterest income | 465,000 | 925,000 | 1,385,000 | 149,000 |
| Noninterest expense | 1,209,000 | 2,424,000 | 3,652,000 | 346,000 |
| Provision for loan losses | 94,000 | 230,000 | 367,000 | 47,000 |
| Pretax income | 744,000 | 1,455,000 | 2,326,000 | 551,000 |
| Income tax | 269,000 | 523,000 | 839,000 | 193,000 |
| Net income | 475,000 | 932,000 | 1,487,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,860,000 | 14,317,000 | 14,872,000 | 15,471,000 |
| Total capital | 15,648,000 | 16,233,000 | 16,878,000 | 17,613,000 |
| Risk-weighted assets | 154,360,000 | 153,238,000 | 166,543,000 | 171,869,000 |