Call reports 2008
LIBERTY TRUST & SAVINGS BANK — 2008
What LIBERTY TRUST & SAVINGS 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 | 110,398,000 | 112,552,000 | 112,884,000 | 116,581,000 |
| Total loans | 53,584,000 | 51,512,000 | 52,833,000 | 57,212,000 |
| Allowance for loan losses | 946,000 | 936,000 | 936,000 | 983,000 |
| Securities available for sale | 43,844,000 | 47,606,000 | 50,219,000 | 50,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,549,000 | 94,759,000 | 94,650,000 | 98,787,000 |
| Interest-bearing deposits | 80,547,000 | 82,058,000 | 82,610,000 | 84,390,000 |
| Noninterest-bearing deposits | 12,002,000 | 12,702,000 | 12,039,000 | 14,397,000 |
| Equity capital | 16,774,000 | 16,891,000 | 16,756,000 | 17,128,000 |
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 | 1,533,000 | 3,007,000 | 4,526,000 | 6,078,000 |
| Interest expense | 592,000 | 1,150,000 | 1,671,000 | 2,164,000 |
| Net interest income | 941,000 | 1,857,000 | 2,855,000 | 3,914,000 |
| Noninterest income | 109,000 | 261,000 | 401,000 | 535,000 |
| Noninterest expense | 575,000 | 1,188,000 | 1,796,000 | 2,545,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 512,000 | 967,000 | 1,497,000 | 1,891,000 |
| Income tax | 125,000 | 223,000 | 344,000 | 411,000 |
| Net income | 387,000 | 744,000 | 1,153,000 | 1,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,417,000 | 16,779,000 | 17,033,000 | 17,363,000 |
| Total capital | 17,230,000 | 17,583,000 | 17,850,000 | 18,225,000 |
| Risk-weighted assets | 64,898,000 | 64,221,000 | 65,236,000 | 68,831,000 |