Call reports 2007
LIBERTY BANK N.A. — 2007
What LIBERTY BANK N.A. 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 | 156,372,000 | 164,120,000 | 176,326,000 | 181,793,000 |
| Total loans | 125,215,000 | 128,610,000 | 133,461,000 | 143,603,000 |
| Allowance for loan losses | 1,136,000 | 1,135,000 | 1,175,000 | 1,210,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 322,000 | 320,000 | 1,518,000 | 1,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,283,000 | 121,487,000 | 133,515,000 | 137,336,000 |
| Interest-bearing deposits | 112,659,000 | 118,207,000 | 130,563,000 | 134,683,000 |
| Noninterest-bearing deposits | 2,624,000 | 3,280,000 | 2,952,000 | 2,653,000 |
| Equity capital | 37,647,000 | 38,136,000 | 38,589,000 | 38,991,000 |
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 | 2,543,000 | 5,311,000 | 8,111,000 | 11,210,000 |
| Interest expense | 1,199,000 | 2,552,000 | 3,971,000 | 5,571,000 |
| Net interest income | 1,344,000 | 2,759,000 | 4,140,000 | 5,639,000 |
| Noninterest income | 408,000 | 595,000 | 854,000 | 960,000 |
| Noninterest expense | 829,000 | 1,700,000 | 2,628,000 | 3,598,000 |
| Provision for loan losses | 40,000 | 40,000 | 80,000 | 120,000 |
| Pretax income | 883,000 | 1,614,000 | 2,286,000 | 2,881,000 |
| Income tax | 295,000 | 538,000 | 757,000 | 950,000 |
| Net income | 588,000 | 1,076,000 | 1,529,000 | 1,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,647,000 | 38,136,000 | 38,589,000 | 38,991,000 |
| Total capital | 38,783,000 | 39,271,000 | 39,764,000 | 40,201,000 |
| Risk-weighted assets | 157,371,000 | 176,049,000 | 181,158,000 | 180,652,000 |