Call reports 2011
LIBERTY NATIONAL BANK — 2011
What LIBERTY NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 229,620,000 | 222,838,000 | 230,064,000 | 231,218,000 |
| Total loans | 125,184,000 | 130,365,000 | 141,101,000 | 142,408,000 |
| Allowance for loan losses | 2,198,000 | 2,218,000 | 2,292,000 | 2,274,000 |
| Securities available for sale | 55,272,000 | 55,144,000 | 58,553,000 | 54,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,447,000 | 190,199,000 | 189,013,000 | 191,461,000 |
| Interest-bearing deposits | 161,138,000 | 153,718,000 | 152,400,000 | 153,283,000 |
| Noninterest-bearing deposits | 35,309,000 | 36,481,000 | 36,613,000 | 38,178,000 |
| Equity capital | 27,413,000 | 27,627,000 | 34,824,000 | 35,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,091,000 | 4,330,000 | 6,680,000 | 8,990,000 |
| Interest expense | 441,000 | 883,000 | 1,279,000 | 1,636,000 |
| Net interest income | 1,650,000 | 3,447,000 | 5,401,000 | 7,354,000 |
| Noninterest income | 255,000 | 511,000 | 871,000 | 1,270,000 |
| Noninterest expense | 1,645,000 | 3,222,000 | 4,913,000 | 6,458,000 |
| Provision for loan losses | 45,000 | 65,000 | 125,000 | 235,000 |
| Pretax income | 230,000 | 785,000 | 1,348,000 | 2,045,000 |
| Income tax | 42,000 | 206,000 | 371,000 | 583,000 |
| Net income | 188,000 | 579,000 | 977,000 | 1,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,855,000 | 15,757,000 | 22,681,000 | 23,005,000 |
| Total capital | 17,658,000 | 17,615,000 | 24,645,000 | 25,000,000 |
| Risk-weighted assets | 143,894,000 | 148,098,000 | 156,299,000 | 159,296,000 |