Call reports 2007
LIBERTYPOINTE BANK — 2007
What LIBERTYPOINTE 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 | 179,449,000 | 186,100,000 | 204,750,000 | 231,987,000 |
| Total loans | 111,071,000 | 141,314,000 | 160,606,000 | 180,451,000 |
| Allowance for loan losses | 972,000 | 1,297,000 | 1,655,000 | 1,965,000 |
| Securities available for sale | 18,532,000 | 16,029,000 | 13,596,000 | 11,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,993,000 | 165,298,000 | 182,439,000 | 210,031,000 |
| Interest-bearing deposits | 149,871,000 | 149,271,000 | 168,264,000 | 193,288,000 |
| Noninterest-bearing deposits | 13,122,000 | 16,027,000 | 14,175,000 | 16,743,000 |
| Equity capital | 14,586,000 | 18,358,000 | 18,016,000 | 18,612,000 |
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 | 2,745,000 | 5,942,000 | 9,536,000 | 13,228,000 |
| Interest expense | 1,660,000 | 3,494,000 | 5,542,000 | 7,776,000 |
| Net interest income | 1,085,000 | 2,448,000 | 3,994,000 | 5,452,000 |
| Noninterest income | 51,000 | 135,000 | 184,000 | 253,000 |
| Noninterest expense | 982,000 | 2,238,000 | 3,875,000 | 6,123,000 |
| Provision for loan losses | 118,000 | 443,000 | 801,000 | 1,111,000 |
| Pretax income | 36,000 | -98,000 | -498,000 | -1,529,000 |
| Income tax | 9,000 | 30,000 | 51,000 | 78,000 |
| Net income | 27,000 | -128,000 | -549,000 | -1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,586,000 | 18,429,000 | 18,016,000 | 18,581,000 |
| Total capital | 14,586,000 | 18,429,000 | 19,671,000 | 20,546,000 |
| Risk-weighted assets | 133,121,000 | 158,110,000 | 189,250,000 | 176,060,000 |