Call reports 2008
LIBERTYBANK — 2008
What LIBERTYBANK 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 | 960,085,000 | 947,147,000 | 924,143,000 | 912,705,000 |
| Total loans | 883,139,000 | 864,762,000 | 838,864,000 | 816,775,000 |
| Allowance for loan losses | 16,359,000 | 16,585,000 | 17,682,000 | 19,868,000 |
| Securities available for sale | 35,214,000 | 33,878,000 | 33,281,000 | 36,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 767,904,000 | 778,222,000 | 785,434,000 | 763,512,000 |
| Interest-bearing deposits | 707,606,000 | 708,603,000 | 723,932,000 | 699,491,000 |
| Noninterest-bearing deposits | 60,298,000 | 69,619,000 | 61,502,000 | 64,021,000 |
| Equity capital | 79,944,000 | 78,837,000 | 77,241,000 | 76,326,000 |
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 | 18,535,000 | 36,769,000 | 53,570,000 | 69,189,000 |
| Interest expense | 7,878,000 | 14,690,000 | 20,825,000 | 26,567,000 |
| Net interest income | 10,657,000 | 22,079,000 | 32,745,000 | 42,622,000 |
| Noninterest income | 973,000 | 2,075,000 | 2,994,000 | 3,434,000 |
| Noninterest expense | 6,678,000 | 14,179,000 | 21,535,000 | 28,599,000 |
| Provision for loan losses | 5,989,000 | 12,160,000 | 19,307,000 | 27,887,000 |
| Pretax income | -1,037,000 | -2,185,000 | -5,103,000 | -10,430,000 |
| Income tax | -410,000 | -902,000 | -2,041,000 | -4,126,000 |
| Net income | -627,000 | -1,283,000 | -3,062,000 | -6,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,536,000 | 78,821,000 | 77,042,000 | 75,800,000 |
| Total capital | 95,667,000 | 94,773,000 | 92,707,000 | 91,319,000 |
| Risk-weighted assets | 884,993,000 | 870,257,000 | 845,973,000 | 832,035,000 |
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