Call reports 2008
LIBERTY BANK — 2008
What LIBERTY 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 | 94,204,000 | 94,070,000 | 91,888,000 | 92,972,000 |
| Total loans | 38,347,000 | 38,528,000 | 40,693,000 | 41,264,000 |
| Allowance for loan losses | 633,000 | 637,000 | 520,000 | 465,000 |
| Securities available for sale | 32,871,000 | 29,919,000 | 29,442,000 | 28,685,000 |
| Securities held to maturity | 12,286,000 | 11,808,000 | 11,357,000 | 11,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,350,000 | 81,561,000 | 79,219,000 | 79,951,000 |
| Interest-bearing deposits | 66,771,000 | 66,773,000 | 65,966,000 | 67,252,000 |
| Noninterest-bearing deposits | 14,579,000 | 14,788,000 | 13,253,000 | 12,700,000 |
| Equity capital | 12,444,000 | 12,204,000 | 12,366,000 | 12,610,000 |
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 | 1,478,000 | 2,914,000 | 4,332,000 | 5,753,000 |
| Interest expense | 615,000 | 1,178,000 | 1,688,000 | 2,183,000 |
| Net interest income | 863,000 | 1,736,000 | 2,644,000 | 3,570,000 |
| Noninterest income | 180,000 | 380,000 | 603,000 | 805,000 |
| Noninterest expense | 719,000 | 1,405,000 | 2,154,000 | 3,022,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 325,000 | 709,000 | 1,090,000 | 1,349,000 |
| Income tax | 94,000 | 201,000 | 331,000 | 455,000 |
| Net income | 231,000 | 508,000 | 759,000 | 894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,395,000 | 12,673,000 | 12,924,000 | 12,610,000 |
| Total capital | 12,997,000 | 13,288,000 | 13,444,000 | 13,075,000 |
| Risk-weighted assets | 48,097,000 | 49,154,000 | 49,938,000 | 49,734,000 |