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 | 244,109,000 | 249,044,000 | 259,300,000 | 261,232,000 |
| Total loans | 147,847,000 | 148,920,000 | 154,256,000 | 157,311,000 |
| Allowance for loan losses | 1,660,000 | 1,554,000 | 1,656,000 | 2,239,000 |
| Securities available for sale | 73,293,000 | 75,735,000 | 78,279,000 | 78,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,855,000 | 209,140,000 | 216,644,000 | 218,810,000 |
| Interest-bearing deposits | 180,999,000 | 182,245,000 | 188,772,000 | 195,588,000 |
| Noninterest-bearing deposits | 22,856,000 | 26,895,000 | 27,872,000 | 23,222,000 |
| Equity capital | 27,282,000 | 26,586,000 | 26,998,000 | 27,024,000 |
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 | 3,568,000 | 7,069,000 | 10,609,000 | 14,169,000 |
| Interest expense | 1,529,000 | 2,916,000 | 4,309,000 | 5,698,000 |
| Net interest income | 2,039,000 | 4,153,000 | 6,300,000 | 8,471,000 |
| Noninterest income | 367,000 | 794,000 | 1,166,000 | 1,561,000 |
| Noninterest expense | 1,644,000 | 3,395,000 | 5,185,000 | 7,285,000 |
| Provision for loan losses | 65,000 | 130,000 | 235,000 | 1,465,000 |
| Pretax income | 703,000 | 1,430,000 | 2,054,000 | 1,290,000 |
| Income tax | 179,000 | 368,000 | 515,000 | 135,000 |
| Net income | 524,000 | 1,062,000 | 1,539,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,121,000 | 20,522,000 | 20,918,000 | 20,143,000 |
| Total capital | 21,781,000 | 22,076,000 | 22,574,000 | 22,251,000 |
| Risk-weighted assets | 158,723,000 | 168,970,000 | 167,003,000 | 168,490,000 |
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