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 | 207,701,000 | 217,611,000 | 216,828,000 | 230,079,000 |
| Total loans | 171,372,000 | 179,506,000 | 178,405,000 | 188,441,000 |
| Allowance for loan losses | 1,796,000 | 1,826,000 | 1,860,000 | 2,245,000 |
| Securities available for sale | 512,000 | 16,675,000 | 19,820,000 | 26,846,000 |
| Securities held to maturity | 22,442,000 | 9,814,000 | 7,491,000 | 4,514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,578,000 | 191,754,000 | 195,690,000 | 191,026,000 |
| Interest-bearing deposits | 157,628,000 | 159,420,000 | 161,518,000 | 160,847,000 |
| Noninterest-bearing deposits | 29,950,000 | 32,333,000 | 34,172,000 | 30,179,000 |
| Equity capital | 19,145,000 | 20,310,000 | 20,437,000 | 21,347,000 |
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 | 3,615,000 | 6,921,000 | 10,133,000 | 13,381,000 |
| Interest expense | 1,506,000 | 2,677,000 | 3,749,000 | 4,841,000 |
| Net interest income | 2,109,000 | 4,244,000 | 6,384,000 | 8,540,000 |
| Noninterest income | 163,000 | 312,000 | 467,000 | 655,000 |
| Noninterest expense | 1,707,000 | 3,450,000 | 5,248,000 | 7,224,000 |
| Provision for loan losses | 30,000 | 61,000 | 96,000 | 642,000 |
| Pretax income | 535,000 | 1,045,000 | 1,507,000 | 1,329,000 |
| Income tax | 214,000 | 423,000 | 608,000 | 300,000 |
| Net income | 321,000 | 622,000 | 899,000 | 1,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,140,000 | 20,341,000 | 20,468,000 | 21,447,000 |
| Total capital | 20,936,000 | 22,167,000 | 22,328,000 | 23,692,000 |
| Risk-weighted assets | 198,702,000 | 208,061,000 | 207,258,000 | 217,996,000 |