Call reports 2019
LIBERTY NATIONAL BANK — 2019
What LIBERTY NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 422,633,000 | 427,896,000 | 431,972,000 | 437,989,000 |
| Total loans | 333,833,000 | 337,697,000 | 328,209,000 | 320,354,000 |
| Allowance for loan losses | 4,020,000 | 4,284,000 | 4,356,000 | 4,112,000 |
| Securities available for sale | 57,112,000 | 53,845,000 | 63,941,000 | 65,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,598,000 | 375,173,000 | 377,429,000 | 383,514,000 |
| Interest-bearing deposits | 271,047,000 | 306,892,000 | 295,876,000 | 306,369,000 |
| Noninterest-bearing deposits | 75,551,000 | 68,281,000 | 81,553,000 | 77,145,000 |
| Equity capital | 50,210,000 | 50,783,000 | 52,258,000 | 51,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,643,000 | 9,787,000 | 14,805,000 | 19,626,000 |
| Interest expense | 898,000 | 2,040,000 | 3,173,000 | 4,206,000 |
| Net interest income | 3,745,000 | 7,747,000 | 11,632,000 | 15,420,000 |
| Noninterest income | 535,000 | 1,074,000 | 1,663,000 | 2,622,000 |
| Noninterest expense | 2,602,000 | 5,213,000 | 7,790,000 | 10,407,000 |
| Provision for loan losses | 603,000 | 961,000 | 1,047,000 | 752,000 |
| Pretax income | 1,075,000 | 2,628,000 | 4,439,000 | 6,995,000 |
| Income tax | 224,000 | 586,000 | 1,003,000 | 1,608,000 |
| Net income | 851,000 | 2,042,000 | 3,436,000 | 5,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,478,000 | 40,648,000 | 41,942,000 | 41,803,000 |
| Total capital | 44,498,000 | 44,932,000 | 46,298,000 | 45,915,000 |
| Risk-weighted assets | 353,649,000 | 357,632,000 | 348,716,000 | 340,668,000 |