Call reports 2010
LIBERTY NATIONAL BANK — 2010
What LIBERTY NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 184,676,000 | 182,818,000 | 207,682,000 | 218,152,000 |
| Total loans | 121,676,000 | 125,529,000 | 129,000,000 | 127,176,000 |
| Allowance for loan losses | 1,662,000 | 1,779,000 | 1,804,000 | 2,176,000 |
| Securities available for sale | 31,873,000 | 30,318,000 | 36,966,000 | 43,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,125,000 | 149,487,000 | 173,410,000 | 185,682,000 |
| Interest-bearing deposits | 125,225,000 | 130,180,000 | 141,061,000 | 150,561,000 |
| Noninterest-bearing deposits | 21,900,000 | 19,307,000 | 32,349,000 | 35,121,000 |
| Equity capital | 26,717,000 | 26,612,000 | 27,173,000 | 26,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,968,000 | 3,969,000 | 6,050,000 | 8,153,000 |
| Interest expense | 501,000 | 1,003,000 | 1,474,000 | 1,930,000 |
| Net interest income | 1,467,000 | 2,966,000 | 4,576,000 | 6,223,000 |
| Noninterest income | 226,000 | 519,000 | 877,000 | 1,221,000 |
| Noninterest expense | 1,427,000 | 2,885,000 | 4,395,000 | 5,933,000 |
| Provision for loan losses | 40,000 | 270,000 | 425,000 | 791,000 |
| Pretax income | 226,000 | 460,000 | 809,000 | 938,000 |
| Income tax | 38,000 | 76,000 | 163,000 | 169,000 |
| Net income | 188,000 | 384,000 | 646,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,734,000 | 14,768,000 | 15,087,000 | 15,605,000 |
| Total capital | 16,396,000 | 16,484,000 | 16,891,000 | 17,431,000 |
| Risk-weighted assets | 134,636,000 | 137,254,000 | 145,545,000 | 145,480,000 |