Call reports 2008
LIBERTY FIRST BANK — 2008
What LIBERTY FIRST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 58,539,000 | 63,052,000 | 71,177,000 | 72,616,000 |
| Total loans | 36,535,000 | 42,759,000 | 50,925,000 | 52,898,000 |
| Allowance for loan losses | 415,000 | 515,000 | 505,000 | 550,000 |
| Securities available for sale | 12,886,000 | 11,546,000 | 10,868,000 | 8,971,000 |
| Securities held to maturity | 1,983,000 | 1,462,000 | 1,462,000 | 3,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,515,000 | 46,454,000 | 54,621,000 | 56,358,000 |
| Interest-bearing deposits | 38,924,000 | 43,379,000 | 50,725,000 | 52,380,000 |
| Noninterest-bearing deposits | 2,590,000 | 3,075,000 | 3,896,000 | 3,978,000 |
| Equity capital | 11,128,000 | 10,715,000 | 10,868,000 | 10,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 915,000 | 1,783,000 | 2,740,000 | 3,729,000 |
| Interest expense | 457,000 | 948,000 | 1,458,000 | 1,954,000 |
| Net interest income | 458,000 | 835,000 | 1,282,000 | 1,775,000 |
| Noninterest income | 31,000 | 72,000 | 102,000 | 143,000 |
| Noninterest expense | 436,000 | 867,000 | 1,304,000 | 1,942,000 |
| Provision for loan losses | 61,000 | 164,000 | 250,000 | 440,000 |
| Pretax income | -4,000 | -117,000 | -146,000 | -374,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -4,000 | -117,000 | -146,000 | -374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,807,000 | 10,702,000 | 10,683,000 | 10,159,000 |
| Total capital | 11,222,000 | 11,217,000 | 11,188,000 | 10,709,000 |
| Risk-weighted assets | 43,352,000 | 49,380,000 | 57,054,000 | 59,413,000 |
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