Call reports 2006
LIBERTY NATIONAL BANK — 2006
What LIBERTY NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 80,135,000 | 77,962,000 | 83,120,000 | 85,153,000 |
| Total loans | 62,103,000 | 61,270,000 | 63,270,000 | 64,747,000 |
| Allowance for loan losses | 539,000 | 571,000 | 560,000 | 728,000 |
| Securities available for sale | 8,645,000 | 9,391,000 | 11,509,000 | 11,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,075,000 | 57,939,000 | 60,500,000 | 67,430,000 |
| Interest-bearing deposits | 47,643,000 | 48,803,000 | 52,234,000 | 58,336,000 |
| Noninterest-bearing deposits | 11,432,000 | 9,136,000 | 8,266,000 | 9,094,000 |
| Equity capital | 12,364,000 | 12,268,000 | 12,374,000 | 12,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,134,000 | 2,363,000 | 3,670,000 | 5,000,000 |
| Interest expense | 482,000 | 1,087,000 | 1,767,000 | 2,510,000 |
| Net interest income | 652,000 | 1,276,000 | 1,903,000 | 2,490,000 |
| Noninterest income | 137,000 | 233,000 | 360,000 | 532,000 |
| Noninterest expense | 636,000 | 1,300,000 | 2,005,000 | 2,654,000 |
| Provision for loan losses | 15,000 | 42,000 | 83,000 | 386,000 |
| Pretax income | 138,000 | 167,000 | 175,000 | -18,000 |
| Income tax | 59,000 | 93,000 | 108,000 | 54,000 |
| Net income | 79,000 | 74,000 | 67,000 | -72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,592,000 | 11,070,000 | 11,086,000 | 10,899,000 |
| Total capital | 12,131,000 | 11,640,000 | 11,645,000 | 11,627,000 |
| Risk-weighted assets | 77,872,000 | 70,147,000 | 68,810,000 | 71,744,000 |