Call reports 2008
WEST LIBERTY STATE BANK — 2008
What WEST LIBERTY STATE 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 | 96,484,000 | 101,521,000 | 99,250,000 | 104,352,000 |
| Total loans | 39,908,000 | 38,815,000 | 40,019,000 | 39,384,000 |
| Allowance for loan losses | 588,000 | 520,000 | 690,000 | 1,207,000 |
| Securities available for sale | 46,117,000 | 48,467,000 | 49,900,000 | 50,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,477,000 | 66,305,000 | 64,751,000 | 69,651,000 |
| Interest-bearing deposits | 54,471,000 | 59,276,000 | 57,633,000 | 62,668,000 |
| Noninterest-bearing deposits | 6,006,000 | 7,028,000 | 7,118,000 | 6,983,000 |
| Equity capital | 13,963,000 | 13,320,000 | 12,767,000 | 13,222,000 |
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 | 1,347,000 | 2,651,000 | 3,982,000 | 5,268,000 |
| Interest expense | 653,000 | 1,262,000 | 1,874,000 | 2,458,000 |
| Net interest income | 694,000 | 1,389,000 | 2,108,000 | 2,810,000 |
| Noninterest income | 57,000 | 114,000 | 204,000 | 264,000 |
| Noninterest expense | 444,000 | 911,000 | 1,381,000 | 1,763,000 |
| Provision for loan losses | 0 | 70,000 | 240,000 | 760,000 |
| Pretax income | 358,000 | 578,000 | 308,000 | 157,000 |
| Income tax | 14,000 | 25,000 | 16,000 | 1,000 |
| Net income | 344,000 | 553,000 | 292,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,290,000 | 9,478,000 | 9,197,000 | 9,035,000 |
| Total capital | 9,878,000 | 9,998,000 | 9,870,000 | 9,693,000 |
| Risk-weighted assets | 51,917,000 | 52,273,000 | 53,048,000 | 52,121,000 |
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