Call reports 2008
NEW LIBERTY BANK — 2008
What NEW 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 | 113,173,000 | 115,560,000 | 118,872,000 | 118,415,000 |
| Total loans | 93,155,000 | 97,067,000 | 98,041,000 | 101,652,000 |
| Allowance for loan losses | 1,392,000 | 2,106,000 | 1,142,000 | 2,388,000 |
| Securities available for sale | 1,757,000 | 1,918,000 | 1,726,000 | 926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,408,000 | 90,590,000 | 92,407,000 | 96,053,000 |
| Interest-bearing deposits | 78,214,000 | 78,563,000 | 82,017,000 | 86,917,000 |
| Noninterest-bearing deposits | 10,194,000 | 12,027,000 | 10,390,000 | 9,136,000 |
| Equity capital | 8,469,000 | 8,082,000 | 9,492,000 | 5,788,000 |
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 | 1,715,000 | 3,523,000 | 5,142,000 | 6,803,000 |
| Interest expense | 1,015,000 | 1,941,000 | 2,873,000 | 3,808,000 |
| Net interest income | 700,000 | 1,582,000 | 2,269,000 | 2,995,000 |
| Noninterest income | 75,000 | 147,000 | 257,000 | 340,000 |
| Noninterest expense | 677,000 | 1,319,000 | 2,123,000 | 3,519,000 |
| Provision for loan losses | 30,000 | 710,000 | 1,065,000 | 4,240,000 |
| Pretax income | 68,000 | -300,000 | -662,000 | -4,424,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 68,000 | -300,000 | -662,000 | -4,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,869,000 | 7,501,000 | 8,909,000 | 5,785,000 |
| Total capital | 9,496,000 | 9,759,000 | 11,151,000 | 8,134,000 |
| Risk-weighted assets | 89,897,000 | 91,660,000 | 96,824,000 | 102,780,000 |