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 |
|---|---|---|---|
| Total assets | 79,034,000 | 78,126,000 | 89,702,000 |
| Total loans | 58,079,000 | 58,870,000 | 64,521,000 |
| Allowance for loan losses | 740,000 | 754,000 | 775,000 |
| Securities available for sale | 5,780,000 | 5,158,000 | 4,632,000 |
| Securities held to maturity | 5,262,000 | 4,219,000 | 4,182,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 61,443,000 | 57,781,000 | 67,180,000 |
| Interest-bearing deposits | 50,893,000 | 47,067,000 | 57,743,000 |
| Noninterest-bearing deposits | 10,550,000 | 10,714,000 | 9,437,000 |
| Equity capital | 12,612,000 | 12,627,000 | 12,684,000 |
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 |
|---|---|---|---|
| Interest income | 1,197,000 | 2,303,000 | 3,420,000 |
| Interest expense | 503,000 | 879,000 | 1,257,000 |
| Net interest income | 694,000 | 1,424,000 | 2,163,000 |
| Noninterest income | 24,000 | 48,000 | 66,000 |
| Noninterest expense | 678,000 | 1,360,000 | 2,053,000 |
| Provision for loan losses | 5,000 | 20,000 | 42,000 |
| Pretax income | 35,000 | 92,000 | 134,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 35,000 | 92,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Tier 1 capital | 12,467,000 | 12,578,000 | 12,641,000 |
| Total capital | 13,207,000 | 13,332,000 | 13,416,000 |
| Risk-weighted assets | 65,383,000 | 65,452,000 | 73,880,000 |