Call reports 2008
LIBERTY BANK, INC. — 2008
What LIBERTY BANK, INC. 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 | 20,226,000 | 19,731,000 | 18,776,000 | 19,994,000 |
| Total loans | 15,631,000 | 15,571,000 | 14,891,000 | 15,023,000 |
| Allowance for loan losses | 291,000 | 492,000 | 359,000 | 418,000 |
| Securities available for sale | 1,142,000 | 1,883,000 | 1,790,000 | 1,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,499,000 | 15,505,000 | 14,553,000 | 15,863,000 |
| Interest-bearing deposits | 16,111,000 | 15,080,000 | 14,157,000 | 15,431,000 |
| Noninterest-bearing deposits | 388,000 | 425,000 | 396,000 | 432,000 |
| Equity capital | 3,273,000 | 3,142,000 | 3,139,000 | 3,053,000 |
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 | 461,000 | 825,000 | 1,172,000 | 1,412,000 |
| Interest expense | 193,000 | 369,000 | 519,000 | 665,000 |
| Net interest income | 268,000 | 456,000 | 653,000 | 747,000 |
| Noninterest income | 0 | 14,000 | 15,000 | 22,000 |
| Noninterest expense | 182,000 | 380,000 | 584,000 | 780,000 |
| Provision for loan losses | 11,000 | 213,000 | 232,000 | 303,000 |
| Pretax income | 75,000 | -123,000 | -148,000 | -314,000 |
| Income tax | 29,000 | -44,000 | -68,000 | -142,000 |
| Net income | 46,000 | -79,000 | -80,000 | -172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,260,000 | 3,142,000 | 3,139,000 | 3,042,000 |
| Total capital | 3,430,000 | 3,303,000 | 3,287,000 | 3,193,000 |
| Risk-weighted assets | 13,472,000 | 12,512,000 | 11,678,000 | 11,845,000 |
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