Call reports 2008
LIBERTY BANK — 2008
What LIBERTY 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 | 62,878,000 | 61,581,000 | 60,653,000 | 61,602,000 |
| Total loans | 41,989,000 | 41,453,000 | 40,858,000 | 42,348,000 |
| Allowance for loan losses | 348,000 | 367,000 | 357,000 | 408,000 |
| Securities available for sale | 11,006,000 | 13,008,000 | 13,914,000 | 13,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,258,000 | 56,109,000 | 54,939,000 | 55,741,000 |
| Interest-bearing deposits | 51,879,000 | 51,201,000 | 50,161,000 | 49,315,000 |
| Noninterest-bearing deposits | 5,379,000 | 4,908,000 | 4,778,000 | 6,426,000 |
| Equity capital | 4,899,000 | 4,916,000 | 5,137,000 | 5,243,000 |
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 | 1,033,000 | 2,033,000 | 3,029,000 | 4,021,000 |
| Interest expense | 476,000 | 909,000 | 1,323,000 | 1,716,000 |
| Net interest income | 557,000 | 1,124,000 | 1,706,000 | 2,305,000 |
| Noninterest income | 83,000 | 185,000 | 290,000 | 391,000 |
| Noninterest expense | 369,000 | 735,000 | 1,093,000 | 1,616,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 80,000 |
| Pretax income | 285,000 | 585,000 | 904,000 | 1,021,000 |
| Income tax | 99,000 | 205,000 | 318,000 | 352,000 |
| Net income | 186,000 | 380,000 | 586,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,738,000 | 4,910,000 | 5,092,000 | 5,077,000 |
| Total capital | 5,086,000 | 5,277,000 | 5,449,000 | 5,485,000 |
| Risk-weighted assets | 42,629,000 | 42,019,000 | 41,629,000 | 42,573,000 |
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