Call reports 2009
FIRST LIBERTY BANK — 2009
What FIRST 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 | 81,563,000 | 83,561,000 | 93,764,000 | 118,460,000 |
| Total loans | 64,182,000 | 70,399,000 | 80,340,000 | 103,594,000 |
| Allowance for loan losses | 538,000 | 623,000 | 733,000 | 948,000 |
| Securities available for sale | 4,190,000 | 3,953,000 | 3,800,000 | 3,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,534,000 | 71,812,000 | 81,069,000 | 106,071,000 |
| Interest-bearing deposits | 60,249,000 | 60,948,000 | 70,150,000 | 87,265,000 |
| Noninterest-bearing deposits | 9,285,000 | 10,864,000 | 10,919,000 | 18,806,000 |
| Equity capital | 11,521,000 | 11,696,000 | 11,919,000 | 12,153,000 |
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 | 1,021,000 | 2,124,000 | 3,387,000 | 4,939,000 |
| Interest expense | 397,000 | 772,000 | 1,120,000 | 1,500,000 |
| Net interest income | 624,000 | 1,352,000 | 2,267,000 | 3,439,000 |
| Noninterest income | 18,000 | 37,000 | 64,000 | 91,000 |
| Noninterest expense | 514,000 | 1,038,000 | 1,638,000 | 2,277,000 |
| Provision for loan losses | 102,000 | 188,000 | 298,000 | 529,000 |
| Pretax income | 26,000 | 163,000 | 395,000 | 724,000 |
| Income tax | 0 | 0 | 40,000 | 150,000 |
| Net income | 26,000 | 163,000 | 355,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,830,000 | 10,968,000 | 11,161,000 | 11,381,000 |
| Total capital | 11,368,000 | 11,591,000 | 11,894,000 | 12,329,000 |
| Risk-weighted assets | 76,966,000 | 79,752,000 | 88,361,000 | 106,369,000 |