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 | 2,779,188,000 | 2,777,644,000 | 2,799,685,000 | 2,854,357,000 |
| Total loans | 2,166,479,000 | 2,203,572,000 | 2,272,539,000 | 2,342,923,000 |
| Allowance for loan losses | 25,724,000 | 26,005,000 | 26,184,000 | 27,178,000 |
| Securities available for sale | 415,736,000 | 409,506,000 | 402,211,000 | 366,332,000 |
| Securities held to maturity | 880,000 | 880,000 | 880,000 | 830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,172,156,000 | 2,167,140,000 | 2,191,041,000 | 2,232,318,000 |
| Interest-bearing deposits | 1,874,286,000 | 1,845,948,000 | 1,890,508,000 | 1,918,213,000 |
| Noninterest-bearing deposits | 297,870,000 | 321,192,000 | 300,533,000 | 314,105,000 |
| Equity capital | 429,069,000 | 431,203,000 | 430,311,000 | 404,237,000 |
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 | 36,873,000 | 74,176,000 | 110,363,000 | 147,239,000 |
| Interest expense | 16,274,000 | 30,272,000 | 43,654,000 | 57,264,000 |
| Net interest income | 20,599,000 | 43,904,000 | 66,709,000 | 89,975,000 |
| Noninterest income | 4,747,000 | 9,473,000 | 14,289,000 | 18,947,000 |
| Noninterest expense | 16,704,000 | 33,828,000 | 50,563,000 | 67,699,000 |
| Provision for loan losses | 500,000 | 1,000,000 | 1,500,000 | 2,900,000 |
| Pretax income | 8,110,000 | 19,804,000 | 28,718,000 | 31,946,000 |
| Income tax | 2,891,000 | 7,060,000 | 10,238,000 | 10,903,000 |
| Net income | 5,219,000 | 12,744,000 | 18,480,000 | 21,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 399,715,000 | 407,531,000 | 413,332,000 | 415,955,000 |
| Total capital | 443,999,000 | 449,626,000 | 451,484,000 | 444,632,000 |
| Risk-weighted assets | 2,270,783,000 | 2,289,361,000 | 2,332,661,000 | 2,400,659,000 |
Machine access — free, no API key
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