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 | 59,204,000 | 64,487,000 | 64,866,000 | 70,743,000 |
| Total loans | 41,610,000 | 47,779,000 | 50,550,000 | 53,724,000 |
| Allowance for loan losses | 426,000 | 596,000 | 583,000 | 757,000 |
| Securities available for sale | 12,409,000 | 9,226,000 | 9,296,000 | 4,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,121,000 | 46,976,000 | 48,634,000 | 49,056,000 |
| Interest-bearing deposits | 40,686,000 | 41,594,000 | 43,438,000 | 42,198,000 |
| Noninterest-bearing deposits | 5,435,000 | 5,382,000 | 5,196,000 | 6,858,000 |
| Equity capital | 12,823,000 | 12,682,000 | 12,629,000 | 12,623,000 |
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 | 652,000 | 1,323,000 | 2,067,000 | 2,885,000 |
| Interest expense | 307,000 | 570,000 | 856,000 | 1,137,000 |
| Net interest income | 345,000 | 753,000 | 1,211,000 | 1,748,000 |
| Noninterest income | 31,000 | 102,000 | 138,000 | 175,000 |
| Noninterest expense | 490,000 | 923,000 | 1,340,000 | 1,839,000 |
| Provision for loan losses | 73,000 | 243,000 | 373,000 | 593,000 |
| Pretax income | -173,000 | -314,000 | -367,000 | -598,000 |
| Income tax | 0 | 0 | 0 | -225,000 |
| Net income | -173,000 | -314,000 | -367,000 | -373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,196,000 | 12,319,000 | 11,387,000 | 11,163,000 |
| Total capital | 12,622,000 | 12,915,000 | 11,970,000 | 11,920,000 |
| Risk-weighted assets | 53,567,000 | 62,699,000 | 64,995,000 | 73,190,000 |