Call reports 2008
LIBERTY NATIONAL BANK — 2008
What LIBERTY NATIONAL 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 | 190,832,000 | 183,677,000 | 188,708,000 | 191,577,000 |
| Total loans | 133,214,000 | 135,147,000 | 133,411,000 | 138,171,000 |
| Allowance for loan losses | 1,366,000 | 1,397,000 | 1,410,000 | 1,369,000 |
| Securities available for sale | 31,721,000 | 32,018,000 | 37,233,000 | 38,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,535,000 | 152,532,000 | 152,371,000 | 152,688,000 |
| Interest-bearing deposits | 127,712,000 | 119,547,000 | 120,578,000 | 122,329,000 |
| Noninterest-bearing deposits | 31,823,000 | 32,985,000 | 31,793,000 | 30,359,000 |
| Equity capital | 19,164,000 | 18,709,000 | 19,374,000 | 18,568,000 |
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 | 2,703,000 | 5,375,000 | 8,016,000 | 10,605,000 |
| Interest expense | 1,095,000 | 2,041,000 | 2,857,000 | 3,683,000 |
| Net interest income | 1,608,000 | 3,334,000 | 5,159,000 | 6,922,000 |
| Noninterest income | 258,000 | 540,000 | 813,000 | 1,090,000 |
| Noninterest expense | 1,484,000 | 2,894,000 | 4,383,000 | 5,929,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 352,000 | 920,000 | 1,499,000 | 1,965,000 |
| Income tax | 74,000 | 226,000 | 376,000 | 483,000 |
| Net income | 278,000 | 694,000 | 1,123,000 | 1,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,949,000 | 17,027,000 | 17,478,000 | 16,500,000 |
| Total capital | 18,315,000 | 18,424,000 | 18,888,000 | 17,869,000 |
| Risk-weighted assets | 129,246,000 | 129,966,000 | 130,619,000 | 133,373,000 |