Call reports 2007
LIBERTY BANK — 2007
What LIBERTY 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 | 706,311,000 | 734,564,000 | 747,581,000 | 794,892,000 |
| Total loans | 630,496,000 | 656,413,000 | 683,578,000 | 709,415,000 |
| Allowance for loan losses | 6,929,000 | 7,086,000 | 6,986,000 | 7,450,000 |
| Securities available for sale | 7,565,000 | 6,566,000 | 6,590,000 | 9,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 586,458,000 | 615,364,000 | 638,707,000 | 685,213,000 |
| Interest-bearing deposits | 549,910,000 | 581,128,000 | 604,382,000 | 646,853,000 |
| Noninterest-bearing deposits | 36,548,000 | 34,236,000 | 34,325,000 | 38,360,000 |
| Equity capital | 55,581,000 | 59,795,000 | 62,265,000 | 64,430,000 |
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 | 13,077,000 | 26,952,000 | 41,414,000 | 55,809,000 |
| Interest expense | 6,076,000 | 12,496,000 | 19,266,000 | 26,191,000 |
| Net interest income | 7,001,000 | 14,456,000 | 22,148,000 | 29,618,000 |
| Noninterest income | 1,596,000 | 3,494,000 | 5,473,000 | 7,579,000 |
| Noninterest expense | 5,235,000 | 10,546,000 | 15,902,000 | 21,388,000 |
| Provision for loan losses | 328,000 | 796,000 | 1,360,000 | 2,528,000 |
| Pretax income | 3,034,000 | 6,608,000 | 10,359,000 | 13,281,000 |
| Income tax | 947,000 | 2,178,000 | 3,465,000 | 4,219,000 |
| Net income | 2,087,000 | 4,430,000 | 6,894,000 | 9,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,730,000 | 56,947,000 | 59,411,000 | 61,579,000 |
| Total capital | 59,659,000 | 64,033,000 | 66,397,000 | 69,029,000 |
| Risk-weighted assets | 596,356,000 | 624,213,000 | 643,523,000 | 669,972,000 |