Call reports 2008
LIBERTY BANK, NATIONAL ASSOCIATION — 2008
What LIBERTY BANK, NATIONAL ASSOCIATION 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 | 159,361,000 | 157,620,000 | 153,539,000 | 153,425,000 |
| Total loans | 109,421,000 | 130,799,000 | 130,596,000 | 135,996,000 |
| Allowance for loan losses | 1,950,000 | 2,072,000 | 2,020,000 | 3,353,000 |
| Securities available for sale | 4,593,000 | 4,548,000 | 4,536,000 | 6,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,017,000 | 135,623,000 | 129,122,000 | 131,040,000 |
| Interest-bearing deposits | 125,266,000 | 124,337,000 | 117,897,000 | 120,143,000 |
| Noninterest-bearing deposits | 11,750,000 | 11,286,000 | 11,225,000 | 10,897,000 |
| Equity capital | 21,431,000 | 21,151,000 | 21,107,000 | 21,260,000 |
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 | 3,463,000 | 5,718,000 | 8,095,000 | 10,500,000 |
| Interest expense | 1,734,000 | 2,824,000 | 3,841,000 | 4,824,000 |
| Net interest income | 1,729,000 | 2,894,000 | 4,254,000 | 5,676,000 |
| Noninterest income | 380,000 | 510,000 | 636,000 | 2,489,000 |
| Noninterest expense | 1,673,000 | 3,106,000 | 4,637,000 | 6,353,000 |
| Provision for loan losses | 30,000 | 275,000 | 397,000 | 2,364,000 |
| Pretax income | 406,000 | 23,000 | -144,000 | -552,000 |
| Income tax | 138,000 | 8,000 | -49,000 | -223,000 |
| Net income | 268,000 | 15,000 | -95,000 | -329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,372,000 | 21,125,000 | 21,088,000 | 21,202,000 |
| Total capital | 22,776,000 | 22,730,000 | 22,765,000 | 22,980,000 |
| Risk-weighted assets | 111,754,000 | 127,977,000 | 133,799,000 | 140,679,000 |
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