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 | 167,162,000 | 155,669,000 | 164,280,000 | 217,231,000 |
| Total loans | 130,907,000 | 127,815,000 | 139,317,000 | 164,828,000 |
| Allowance for loan losses | 1,768,000 | 1,766,000 | 1,765,000 | 1,766,000 |
| Securities available for sale | 766,000 | 673,000 | 616,000 | 563,000 |
| Securities held to maturity | 20,721,000 | 17,597,000 | 14,264,000 | 41,865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,967,000 | 136,325,000 | 143,780,000 | 183,203,000 |
| Interest-bearing deposits | 111,416,000 | 104,693,000 | 114,892,000 | 154,324,000 |
| Noninterest-bearing deposits | 36,551,000 | 31,633,000 | 28,888,000 | 28,879,000 |
| Equity capital | 16,995,000 | 17,347,000 | 17,624,000 | 17,938,000 |
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 | 3,109,000 | 6,238,000 | 9,331,000 | 13,133,000 |
| Interest expense | 993,000 | 2,001,000 | 3,056,000 | 4,705,000 |
| Net interest income | 2,116,000 | 4,237,000 | 6,275,000 | 8,428,000 |
| Noninterest income | 146,000 | 288,000 | 435,000 | 584,000 |
| Noninterest expense | 1,532,000 | 3,036,000 | 4,564,000 | 6,164,000 |
| Provision for loan losses | 50,000 | 54,000 | 55,000 | 57,000 |
| Pretax income | 680,000 | 1,435,000 | 2,090,000 | 2,790,000 |
| Income tax | 279,000 | 584,000 | 850,000 | 1,107,000 |
| Net income | 401,000 | 851,000 | 1,240,000 | 1,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,995,000 | 17,351,000 | 17,620,000 | 17,934,000 |
| Total capital | 18,763,000 | 19,117,000 | 19,385,000 | 19,700,000 |
| Risk-weighted assets | 162,389,000 | 155,413,000 | 161,167,000 | 209,271,000 |