Call reports 2008
LIBERTY BANK FOR SAVINGS — 2008
What LIBERTY BANK FOR SAVINGS 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 | 744,130,000 | 746,264,000 | 742,960,000 | 766,374,000 |
| Total loans | 333,408,000 | 339,817,000 | 336,875,000 | 333,631,000 |
| Allowance for loan losses | 1,399,000 | 1,399,000 | 1,399,000 | 1,499,000 |
| Securities available for sale | 364,536,000 | 371,167,000 | 359,242,000 | 391,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 579,902,000 | 588,108,000 | 584,339,000 | 594,470,000 |
| Interest-bearing deposits | 559,796,000 | 564,186,000 | 560,065,000 | 572,581,000 |
| Noninterest-bearing deposits | 20,106,000 | 23,922,000 | 24,274,000 | 21,889,000 |
| Equity capital | 153,946,000 | 150,740,000 | 151,768,000 | 160,616,000 |
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 | 9,314,000 | 18,672,000 | 28,034,000 | 37,384,000 |
| Interest expense | 4,458,000 | 8,552,000 | 12,287,000 | 15,908,000 |
| Net interest income | 4,856,000 | 10,120,000 | 15,747,000 | 21,476,000 |
| Noninterest income | 384,000 | 711,000 | 1,206,000 | 1,475,000 |
| Noninterest expense | 4,073,000 | 7,776,000 | 11,615,000 | 15,268,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 1,167,000 | 3,055,000 | 5,338,000 | 7,585,000 |
| Income tax | 352,000 | 998,000 | 1,795,000 | 2,617,000 |
| Net income | 815,000 | 2,057,000 | 3,543,000 | 4,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,670,000 | 149,910,000 | 151,397,000 | 152,821,000 |
| Total capital | 150,256,000 | 151,473,000 | 152,938,000 | 154,413,000 |
| Risk-weighted assets | 309,782,000 | 312,708,000 | 308,883,000 | 307,190,000 |