Call reports 2007
LIBERTY FIRST BANK — 2007
What LIBERTY FIRST 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 | 34,876,000 | 38,356,000 | 48,698,000 | 50,713,000 |
| Total loans | 14,785,000 | 20,686,000 | 23,977,000 | 30,464,000 |
| Allowance for loan losses | 185,000 | 259,000 | 292,000 | 355,000 |
| Securities available for sale | 10,188,000 | 11,579,000 | 16,416,000 | 15,219,000 |
| Securities held to maturity | 1,063,000 | 2,034,000 | 2,007,000 | 2,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,045,000 | 25,746,000 | 36,048,000 | 37,841,000 |
| Interest-bearing deposits | 19,388,000 | 23,016,000 | 33,662,000 | 35,883,000 |
| Noninterest-bearing deposits | 2,657,000 | 2,730,000 | 2,386,000 | 1,958,000 |
| Equity capital | 10,152,000 | 9,852,000 | 9,974,000 | 10,057,000 |
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 | 535,000 | 1,168,000 | 1,917,000 | 2,800,000 |
| Interest expense | 235,000 | 513,000 | 900,000 | 1,349,000 |
| Net interest income | 300,000 | 655,000 | 1,017,000 | 1,451,000 |
| Noninterest income | 7,000 | 27,000 | 49,000 | 73,000 |
| Noninterest expense | 376,000 | 745,000 | 1,124,000 | 1,540,000 |
| Provision for loan losses | 58,000 | 132,000 | 165,000 | 230,000 |
| Pretax income | -127,000 | -195,000 | -223,000 | -233,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -127,000 | -195,000 | -223,000 | -233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,015,000 | 9,956,000 | 9,938,000 | 9,938,000 |
| Total capital | 10,200,000 | 10,215,000 | 10,230,000 | 10,293,000 |
| Risk-weighted assets | 18,587,000 | 23,769,000 | 28,408,000 | 33,951,000 |
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