Call reports 2007
LIBERTY BANK, INC. — 2007
What LIBERTY BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 14,411,000 | 16,653,000 | 18,332,000 | 19,112,000 |
| Total loans | 11,960,000 | 14,925,000 | 15,707,000 | 15,665,000 |
| Allowance for loan losses | 266,000 | 266,000 | 266,000 | 279,000 |
| Securities available for sale | 887,000 | 626,000 | 1,009,000 | 1,426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,915,000 | 13,093,000 | 14,677,000 | 15,457,000 |
| Interest-bearing deposits | 10,406,000 | 12,674,000 | 14,245,000 | 14,734,000 |
| Noninterest-bearing deposits | 509,000 | 419,000 | 432,000 | 723,000 |
| Equity capital | 3,047,000 | 3,116,000 | 3,172,000 | 3,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 437,000 | 886,000 | 1,329,000 | 1,796,000 |
| Interest expense | 128,000 | 267,000 | 440,000 | 629,000 |
| Net interest income | 309,000 | 619,000 | 889,000 | 1,167,000 |
| Noninterest income | 76,000 | 73,000 | 79,000 | 79,000 |
| Noninterest expense | 205,000 | 412,000 | 604,000 | 796,000 |
| Provision for loan losses | 0 | 0 | 0 | 13,000 |
| Pretax income | 180,000 | 280,000 | 364,000 | 437,000 |
| Income tax | 83,000 | 119,000 | 158,000 | 179,000 |
| Net income | 97,000 | 161,000 | 206,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,054,000 | 3,116,000 | 3,165,000 | 3,214,000 |
| Total capital | 3,196,000 | 3,294,000 | 3,351,000 | 3,407,000 |
| Risk-weighted assets | 11,242,000 | 14,187,000 | 14,761,000 | 15,251,000 |
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