Call reports 2007
LIBERTY TRUST & SAVINGS BANK — 2007
What LIBERTY TRUST & SAVINGS 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 | 109,079,000 | 105,986,000 | 105,874,000 | 109,012,000 |
| Total loans | 52,168,000 | 53,749,000 | 54,689,000 | 55,270,000 |
| Allowance for loan losses | 947,000 | 947,000 | 947,000 | 948,000 |
| Securities available for sale | 44,825,000 | 43,307,000 | 43,304,000 | 45,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,951,000 | 89,597,000 | 88,143,000 | 91,606,000 |
| Interest-bearing deposits | 80,958,000 | 77,037,000 | 77,083,000 | 79,502,000 |
| Noninterest-bearing deposits | 11,993,000 | 12,560,000 | 11,060,000 | 12,104,000 |
| Equity capital | 15,373,000 | 15,390,000 | 16,002,000 | 16,324,000 |
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 | 1,449,000 | 3,008,000 | 4,533,000 | 6,091,000 |
| Interest expense | 554,000 | 1,136,000 | 1,719,000 | 2,322,000 |
| Net interest income | 895,000 | 1,872,000 | 2,814,000 | 3,769,000 |
| Noninterest income | 127,000 | 247,000 | 412,000 | 510,000 |
| Noninterest expense | 579,000 | 1,142,000 | 1,725,000 | 2,482,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 316,000 | 850,000 | 1,374,000 | 1,670,000 |
| Income tax | 10,000 | 138,000 | 313,000 | 368,000 |
| Net income | 306,000 | 712,000 | 1,061,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,313,000 | 15,731,000 | 15,940,000 | 16,185,000 |
| Total capital | 16,102,000 | 16,537,000 | 16,752,000 | 17,009,000 |
| Risk-weighted assets | 62,997,000 | 64,350,000 | 64,799,000 | 65,760,000 |