Call reports 2007
LIVERPOOL COMMUNITY BANK — 2007
What LIVERPOOL COMMUNITY BANK 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 | 37,774,000 | 37,506,000 | 37,865,000 | 38,800,000 |
| Total loans | 28,250,000 | 28,939,000 | 29,901,000 | 29,692,000 |
| Allowance for loan losses | 388,000 | 389,000 | 380,000 | 386,000 |
| Securities available for sale | 3,872,000 | 4,560,000 | 4,308,000 | 3,874,000 |
| Securities held to maturity | 210,000 | 210,000 | 210,000 | 395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,504,000 | 32,316,000 | 32,669,000 | 33,512,000 |
| Interest-bearing deposits | 28,498,000 | 28,892,000 | 29,230,000 | 29,650,000 |
| Noninterest-bearing deposits | 4,006,000 | 3,424,000 | 3,439,000 | 3,862,000 |
| Equity capital | 4,796,000 | 4,797,000 | 4,858,000 | 5,014,000 |
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 | 604,000 | 1,222,000 | 1,858,000 | 2,494,000 |
| Interest expense | 242,000 | 495,000 | 752,000 | 1,009,000 |
| Net interest income | 362,000 | 727,000 | 1,106,000 | 1,485,000 |
| Noninterest income | 50,000 | 101,000 | 164,000 | 211,000 |
| Noninterest expense | 246,000 | 495,000 | 747,000 | 941,000 |
| Provision for loan losses | 7,000 | 8,000 | 9,000 | 15,000 |
| Pretax income | 159,000 | 325,000 | 514,000 | 740,000 |
| Income tax | 54,000 | 110,000 | 168,000 | 249,000 |
| Net income | 105,000 | 215,000 | 346,000 | 491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,808,000 | 4,819,000 | 4,850,000 | 4,996,000 |
| Total capital | 5,066,000 | 5,092,000 | 5,117,000 | 5,266,000 |
| Risk-weighted assets | 20,771,000 | 20,923,000 | 21,428,000 | 21,480,000 |