Call reports 2007
FIRST LIBERTY BANK — 2007
What FIRST 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 | 30,745,000 | 37,649,000 | 41,552,000 | 46,374,000 |
| Total loans | 14,559,000 | 19,239,000 | 24,428,000 | 28,996,000 |
| Allowance for loan losses | 83,000 | 178,000 | 244,000 | 290,000 |
| Securities available for sale | 4,301,000 | 4,138,000 | 8,039,000 | 5,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,267,000 | 26,218,000 | 30,122,000 | 34,932,000 |
| Interest-bearing deposits | 17,047,000 | 22,834,000 | 24,912,000 | 29,435,000 |
| Noninterest-bearing deposits | 2,220,000 | 3,384,000 | 5,210,000 | 5,497,000 |
| Equity capital | 11,371,000 | 11,319,000 | 11,305,000 | 11,255,000 |
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 | 404,000 | 1,053,000 | 1,798,000 | 2,559,000 |
| Interest expense | 122,000 | 345,000 | 666,000 | 981,000 |
| Net interest income | 282,000 | 708,000 | 1,132,000 | 1,578,000 |
| Noninterest income | 4,000 | 8,000 | 14,000 | 23,000 |
| Noninterest expense | 322,000 | 688,000 | 1,069,000 | 1,586,000 |
| Provision for loan losses | 41,000 | 136,000 | 201,000 | 247,000 |
| Pretax income | -77,000 | -108,000 | -124,000 | -244,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -77,000 | -108,000 | -124,000 | -244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,769,000 | 10,756,000 | 10,742,000 | 10,621,000 |
| Total capital | 10,852,000 | 10,934,000 | 10,986,000 | 10,911,000 |
| Risk-weighted assets | 22,239,000 | 24,007,000 | 33,523,000 | 37,697,000 |