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 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 803,550,000 | 825,392,000 | 852,252,000 | 875,983,000 |
| Total loans | 720,958,000 | 749,598,000 | 776,046,000 | 800,053,000 |
| Allowance for loan losses | 7,546,000 | 7,502,000 | 7,790,000 | 9,960,000 |
| Securities available for sale | 7,675,000 | 1,645,000 | 1,555,000 | 4,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 666,384,000 | 664,162,000 | 649,869,000 | 673,644,000 |
| Interest-bearing deposits | 610,386,000 | 598,188,000 | 585,554,000 | 643,663,000 |
| Noninterest-bearing deposits | 55,998,000 | 65,974,000 | 64,315,000 | 29,981,000 |
| Equity capital | 65,760,000 | 67,319,000 | 67,559,000 | 67,162,000 |
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 | 13,393,000 | 25,858,000 | 38,501,000 | 50,638,000 |
| Interest expense | 6,775,000 | 12,747,000 | 18,194,000 | 23,285,000 |
| Net interest income | 6,618,000 | 13,111,000 | 20,307,000 | 27,353,000 |
| Noninterest income | 2,076,000 | 4,342,000 | 7,029,000 | 9,351,000 |
| Noninterest expense | 5,708,000 | 11,526,000 | 17,424,000 | 23,236,000 |
| Provision for loan losses | 602,000 | 1,532,000 | 3,079,000 | 7,504,000 |
| Pretax income | 2,384,000 | 4,397,000 | 6,835,000 | 5,966,000 |
| Income tax | 812,000 | 1,256,000 | 2,080,000 | 1,610,000 |
| Net income | 1,572,000 | 3,141,000 | 4,755,000 | 4,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,901,000 | 64,470,000 | 64,709,000 | 64,310,000 |
| Total capital | 70,447,000 | 71,972,000 | 72,499,000 | 73,448,000 |
| Risk-weighted assets | 678,015,000 | 696,384,000 | 715,680,000 | 730,182,000 |