Call reports 2008
LIBERTY STATE BANK — 2008
What LIBERTY STATE 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 | 110,526,000 | 110,383,000 | 114,303,000 | 115,508,000 |
| Total loans | 69,377,000 | 75,663,000 | 79,386,000 | 80,359,000 |
| Allowance for loan losses | 1,232,000 | 1,247,000 | 1,275,000 | 1,231,000 |
| Securities available for sale | 0 | 0 | 0 | 27,939,000 |
| Securities held to maturity | 27,532,000 | 28,987,000 | 29,181,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,083,000 | 97,004,000 | 93,296,000 | 93,972,000 |
| Interest-bearing deposits | 84,598,000 | 83,111,000 | 80,858,000 | 82,313,000 |
| Noninterest-bearing deposits | 14,486,000 | 13,893,000 | 12,439,000 | 11,660,000 |
| Equity capital | 10,675,000 | 11,007,000 | 11,255,000 | 11,766,000 |
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 | 1,707,000 | 3,472,000 | 5,265,000 | 7,044,000 |
| Interest expense | 815,000 | 1,567,000 | 2,280,000 | 2,957,000 |
| Net interest income | 892,000 | 1,905,000 | 2,985,000 | 4,087,000 |
| Noninterest income | 251,000 | 492,000 | 718,000 | 956,000 |
| Noninterest expense | 735,000 | 1,497,000 | 2,270,000 | 3,105,000 |
| Provision for loan losses | 63,000 | 126,000 | 189,000 | 302,000 |
| Pretax income | 347,000 | 781,000 | 1,251,000 | 1,643,000 |
| Income tax | 87,000 | 194,000 | 311,000 | 404,000 |
| Net income | 260,000 | 587,000 | 940,000 | 1,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,675,000 | 11,007,000 | 11,255,000 | 11,554,000 |
| Total capital | 11,421,000 | 11,900,000 | 12,170,000 | 12,497,000 |
| Risk-weighted assets | 66,563,000 | 71,092,000 | 72,821,000 | 75,173,000 |
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