Call reports 2008
LIBERTY BANK AND TRUST COMPANY — 2008
What LIBERTY BANK AND TRUST COMPANY 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 | 377,924,000 | 354,347,000 | 366,502,000 | 374,923,000 |
| Total loans | 177,118,000 | 181,597,000 | 185,624,000 | 175,406,000 |
| Allowance for loan losses | 3,968,000 | 6,294,000 | 6,245,000 | 3,248,000 |
| Securities available for sale | 145,081,000 | 137,677,000 | 140,095,000 | 133,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,551,000 | 307,310,000 | 330,867,000 | 337,160,000 |
| Interest-bearing deposits | 219,608,000 | 197,397,000 | 227,248,000 | 220,126,000 |
| Noninterest-bearing deposits | 119,943,000 | 109,913,000 | 103,619,000 | 117,034,000 |
| Equity capital | 25,976,000 | 26,519,000 | 26,377,000 | 29,154,000 |
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 | 5,629,000 | 11,580,000 | 17,224,000 | 22,863,000 |
| Interest expense | 1,529,000 | 2,923,000 | 4,344,000 | 5,561,000 |
| Net interest income | 4,100,000 | 8,657,000 | 12,880,000 | 17,302,000 |
| Noninterest income | 612,000 | 2,742,000 | 3,493,000 | 6,564,000 |
| Noninterest expense | 3,470,000 | 8,529,000 | 12,779,000 | 17,681,000 |
| Provision for loan losses | 225,000 | 475,000 | 700,000 | 925,000 |
| Pretax income | 1,018,000 | 2,386,000 | 2,890,000 | 5,331,000 |
| Income tax | 266,000 | 690,000 | 760,000 | 1,045,000 |
| Net income | 752,000 | 1,696,000 | 2,130,000 | 4,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,980,000 | 27,230,000 | 26,814,000 | 28,419,000 |
| Total capital | 27,405,000 | 29,597,000 | 29,214,000 | 30,826,000 |
| Risk-weighted assets | 192,452,000 | 185,459,000 | 188,188,000 | 191,682,000 |
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