Call reports 2008
LIBERTY BANK N.A. — 2008
What LIBERTY BANK N.A. 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 | 185,654,000 | 219,379,000 | 229,718,000 | 283,926,000 |
| Total loans | 150,897,000 | 170,036,000 | 171,508,000 | 204,369,000 |
| Allowance for loan losses | 1,237,000 | 1,488,000 | 1,563,000 | 2,063,000 |
| Securities available for sale | 0 | 0 | 0 | 57,576,000 |
| Securities held to maturity | 1,503,000 | 1,497,000 | 27,691,000 | 1,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,282,000 | 177,638,000 | 186,345,000 | 202,914,000 |
| Interest-bearing deposits | 139,822,000 | 174,070,000 | 181,311,000 | 200,709,000 |
| Noninterest-bearing deposits | 3,460,000 | 3,568,000 | 5,033,000 | 2,205,000 |
| Equity capital | 39,419,000 | 39,927,000 | 40,445,000 | 42,802,000 |
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 | 3,087,000 | 6,539,000 | 9,942,000 | 14,387,000 |
| Interest expense | 1,565,000 | 3,164,000 | 4,885,000 | 6,659,000 |
| Net interest income | 1,522,000 | 3,375,000 | 5,057,000 | 7,728,000 |
| Noninterest income | 229,000 | 393,000 | 535,000 | 854,000 |
| Noninterest expense | 966,000 | 1,963,000 | 2,944,000 | 3,936,000 |
| Provision for loan losses | 150,000 | 415,000 | 490,000 | 990,000 |
| Pretax income | 635,000 | 1,390,000 | 2,158,000 | 3,656,000 |
| Income tax | 207,000 | 453,000 | 703,000 | 1,190,000 |
| Net income | 428,000 | 937,000 | 1,455,000 | 2,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,419,000 | 39,927,000 | 40,445,000 | 41,457,000 |
| Total capital | 40,656,000 | 41,415,000 | 42,008,000 | 43,520,000 |
| Risk-weighted assets | 186,945,000 | 220,466,000 | 228,702,000 | 251,425,000 |