Call reports 2007
LIBERTY NATIONAL BANK — 2007
What LIBERTY NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,521,000 | 83,797,000 | 86,623,000 | 86,713,000 |
| Total loans | 63,275,000 | 63,427,000 | 62,435,000 | 63,792,000 |
| Allowance for loan losses | 668,000 | 556,000 | 562,000 | 576,000 |
| Securities available for sale | 11,285,000 | 12,035,000 | 14,185,000 | 11,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,695,000 | 62,892,000 | 60,244,000 | 67,137,000 |
| Interest-bearing deposits | 59,177,000 | 53,763,000 | 51,567,000 | 54,438,000 |
| Noninterest-bearing deposits | 9,518,000 | 9,129,000 | 8,677,000 | 12,699,000 |
| Equity capital | 12,302,000 | 11,852,000 | 11,984,000 | 12,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,370,000 | 2,749,000 | 4,167,000 | 5,538,000 |
| Interest expense | 728,000 | 1,453,000 | 2,211,000 | 2,946,000 |
| Net interest income | 642,000 | 1,296,000 | 1,956,000 | 2,592,000 |
| Noninterest income | 97,000 | 264,000 | 396,000 | 526,000 |
| Noninterest expense | 686,000 | 1,383,000 | 2,083,000 | 2,776,000 |
| Provision for loan losses | 0 | 20,000 | 40,000 | 59,000 |
| Pretax income | 53,000 | 157,000 | 229,000 | 326,000 |
| Income tax | 34,000 | 89,000 | 129,000 | 182,000 |
| Net income | 19,000 | 68,000 | 100,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,965,000 | 10,653,000 | 10,684,000 | 10,794,000 |
| Total capital | 11,634,000 | 11,210,000 | 11,246,000 | 11,370,000 |
| Risk-weighted assets | 72,334,000 | 71,279,000 | 70,598,000 | 72,361,000 |