Call reports 2007
LIBERTY BANK — 2007
What LIBERTY 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 | 88,022,000 | 89,712,000 | 90,654,000 | 92,351,000 |
| Total loans | 37,066,000 | 37,533,000 | 37,365,000 | 37,906,000 |
| Allowance for loan losses | 576,000 | 649,000 | 640,000 | 634,000 |
| Securities available for sale | 23,059,000 | 25,410,000 | 25,689,000 | 27,885,000 |
| Securities held to maturity | 11,464,000 | 13,275,000 | 12,931,000 | 12,652,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,993,000 | 77,706,000 | 78,052,000 | 79,934,000 |
| Interest-bearing deposits | 60,150,000 | 63,062,000 | 64,015,000 | 65,201,000 |
| Noninterest-bearing deposits | 15,843,000 | 14,644,000 | 14,037,000 | 14,733,000 |
| Equity capital | 11,567,000 | 11,666,000 | 12,189,000 | 12,057,000 |
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 | 1,388,000 | 2,893,000 | 4,357,000 | 5,859,000 |
| Interest expense | 549,000 | 1,142,000 | 1,765,000 | 2,417,000 |
| Net interest income | 839,000 | 1,751,000 | 2,592,000 | 3,442,000 |
| Noninterest income | 175,000 | 360,000 | 565,000 | 771,000 |
| Noninterest expense | 649,000 | 1,238,000 | 1,914,000 | 2,604,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 364,000 | 857,000 | 1,227,000 | 1,593,000 |
| Income tax | 93,000 | 269,000 | 388,000 | 497,000 |
| Net income | 271,000 | 588,000 | 839,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,890,000 | 12,206,000 | 12,457,000 | 12,165,000 |
| Total capital | 12,446,000 | 12,769,000 | 13,018,000 | 12,751,000 |
| Risk-weighted assets | 44,489,000 | 44,941,000 | 44,770,000 | 46,804,000 |