Call reports 2009
LIBERTY BANK — 2009
What LIBERTY 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 | 228,154,000 | 220,472,000 | 231,724,000 | 230,558,000 |
| Total loans | 183,421,000 | 184,090,000 | 188,359,000 | 191,478,000 |
| Allowance for loan losses | 2,374,000 | 2,725,000 | 2,749,000 | 3,393,000 |
| Securities available for sale | 22,272,000 | 10,275,000 | 4,233,000 | 4,549,000 |
| Securities held to maturity | 11,492,000 | 14,701,000 | 18,434,000 | 20,246,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,715,000 | 185,952,000 | 197,047,000 | 189,347,000 |
| Interest-bearing deposits | 157,030,000 | 152,529,000 | 157,083,000 | 158,267,000 |
| Noninterest-bearing deposits | 31,685,000 | 33,423,000 | 39,964,000 | 31,080,000 |
| Equity capital | 21,631,000 | 21,555,000 | 23,764,000 | 23,258,000 |
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 | 3,212,000 | 6,351,000 | 9,487,000 | 12,589,000 |
| Interest expense | 942,000 | 1,790,000 | 2,595,000 | 3,211,000 |
| Net interest income | 2,270,000 | 4,561,000 | 6,892,000 | 9,378,000 |
| Noninterest income | 183,000 | 391,000 | 615,000 | 888,000 |
| Noninterest expense | 1,859,000 | 3,798,000 | 5,665,000 | 7,671,000 |
| Provision for loan losses | 130,000 | 594,000 | 681,000 | 2,403,000 |
| Pretax income | 464,000 | 560,000 | 1,161,000 | 192,000 |
| Income tax | 189,000 | 228,000 | 468,000 | -137,000 |
| Net income | 275,000 | 332,000 | 693,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,593,000 | 21,525,000 | 23,761,000 | 23,267,000 |
| Total capital | 23,967,000 | 24,098,000 | 26,342,000 | 25,978,000 |
| Risk-weighted assets | 213,609,000 | 205,745,000 | 206,417,000 | 216,218,000 |