Call reports 2009
LIBERTY NATIONAL BANK — 2009
What LIBERTY NATIONAL 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 | 172,605,000 | 173,020,000 | 181,404,000 | 180,647,000 |
| Total loans | 127,377,000 | 127,619,000 | 119,823,000 | 119,829,000 |
| Allowance for loan losses | 1,540,000 | 2,235,000 | 2,234,000 | 1,636,000 |
| Securities available for sale | 17,244,000 | 18,385,000 | 18,367,000 | 25,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,711,000 | 134,152,000 | 144,051,000 | 143,741,000 |
| Interest-bearing deposits | 111,015,000 | 114,692,000 | 118,999,000 | 120,903,000 |
| Noninterest-bearing deposits | 21,696,000 | 19,460,000 | 25,052,000 | 22,838,000 |
| Equity capital | 26,508,000 | 26,183,000 | 26,578,000 | 26,332,000 |
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 | 2,112,000 | 4,207,000 | 6,182,000 | 8,204,000 |
| Interest expense | 593,000 | 1,209,000 | 1,833,000 | 2,389,000 |
| Net interest income | 1,519,000 | 2,998,000 | 4,349,000 | 5,815,000 |
| Noninterest income | 185,000 | 412,000 | 618,000 | 905,000 |
| Noninterest expense | 1,334,000 | 2,772,000 | 4,208,000 | 5,555,000 |
| Provision for loan losses | 395,000 | 1,090,000 | 1,090,000 | 1,115,000 |
| Pretax income | 222,000 | -205,000 | -41,000 | 475,000 |
| Income tax | 66,000 | -125,000 | -89,000 | 74,000 |
| Net income | 156,000 | -80,000 | 48,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,448,000 | 14,032,000 | 14,392,000 | 14,461,000 |
| Total capital | 15,988,000 | 15,750,000 | 16,079,000 | 16,097,000 |
| Risk-weighted assets | 136,629,000 | 137,125,000 | 134,314,000 | 133,868,000 |