Call reports 2007
LIBERTY BANK AND TRUST COMPANY — 2007
What LIBERTY BANK AND TRUST COMPANY 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 | 316,040,000 | 320,541,000 | 326,988,000 | 328,904,000 |
| Total loans | 130,929,000 | 136,012,000 | 137,764,000 | 143,417,000 |
| Allowance for loan losses | 3,144,000 | 3,383,000 | 3,590,000 | 3,875,000 |
| Securities available for sale | 126,250,000 | 116,867,000 | 131,513,000 | 134,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,084,000 | 286,755,000 | 292,333,000 | 291,466,000 |
| Interest-bearing deposits | 204,960,000 | 192,279,000 | 195,248,000 | 178,675,000 |
| Noninterest-bearing deposits | 76,124,000 | 94,476,000 | 97,085,000 | 112,791,000 |
| Equity capital | 23,439,000 | 22,425,000 | 24,339,000 | 25,027,000 |
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 | 4,714,000 | 9,689,000 | 14,853,000 | 20,192,000 |
| Interest expense | 1,006,000 | 2,118,000 | 3,412,000 | 4,794,000 |
| Net interest income | 3,708,000 | 7,571,000 | 11,441,000 | 15,398,000 |
| Noninterest income | 1,805,000 | 2,351,000 | 2,830,000 | 6,358,000 |
| Noninterest expense | 2,671,000 | 5,704,000 | 8,873,000 | 14,979,000 |
| Provision for loan losses | 325,000 | 625,000 | 925,000 | 1,225,000 |
| Pretax income | 2,517,000 | 3,396,000 | 4,276,000 | 5,355,000 |
| Income tax | 665,000 | 888,000 | 1,150,000 | 1,236,000 |
| Net income | 1,852,000 | 2,508,000 | 3,126,000 | 4,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,275,000 | 24,161,000 | 25,004,000 | 25,208,000 |
| Total capital | 26,216,000 | 26,168,000 | 27,001,000 | 27,275,000 |
| Risk-weighted assets | 154,038,000 | 159,178,000 | 158,147,000 | 163,585,000 |
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