Call reports 2007
LIBERTY STATE BANK — 2007
What LIBERTY STATE 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 | 105,621,000 | 106,786,000 | 107,017,000 | 105,774,000 |
| Total loans | 60,861,000 | 61,561,000 | 64,532,000 | 64,824,000 |
| Allowance for loan losses | 1,063,000 | 1,099,000 | 1,140,000 | 1,186,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 32,114,000 | 33,054,000 | 32,358,000 | 31,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,709,000 | 94,129,000 | 94,674,000 | 93,078,000 |
| Interest-bearing deposits | 80,744,000 | 82,149,000 | 80,115,000 | 80,431,000 |
| Noninterest-bearing deposits | 12,965,000 | 11,981,000 | 14,559,000 | 12,647,000 |
| Equity capital | 11,269,000 | 11,512,000 | 11,646,000 | 10,415,000 |
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 | 1,626,000 | 3,327,000 | 5,072,000 | 6,821,000 |
| Interest expense | 740,000 | 1,569,000 | 2,401,000 | 3,225,000 |
| Net interest income | 886,000 | 1,758,000 | 2,671,000 | 3,596,000 |
| Noninterest income | 209,000 | 415,000 | 637,000 | 829,000 |
| Noninterest expense | 728,000 | 1,429,000 | 2,191,000 | 2,881,000 |
| Provision for loan losses | 60,000 | 126,000 | 195,000 | 260,000 |
| Pretax income | 307,000 | 618,000 | 922,000 | 1,284,000 |
| Income tax | 84,000 | 161,000 | 233,000 | 326,000 |
| Net income | 223,000 | 457,000 | 689,000 | 958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,269,000 | 11,512,000 | 11,646,000 | 10,415,000 |
| Total capital | 12,024,000 | 12,286,000 | 12,353,000 | 11,121,000 |
| Risk-weighted assets | 60,103,000 | 61,562,000 | 63,533,000 | 63,385,000 |