Call reports 2008
FIRST LIBERTY BANK — 2008
What FIRST 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 | 55,201,000 | 62,795,000 | 70,869,000 | 78,097,000 |
| Total loans | 41,573,000 | 49,892,000 | 57,421,000 | 60,188,000 |
| Allowance for loan losses | 370,000 | 427,000 | 484,000 | 586,000 |
| Securities available for sale | 5,737,000 | 5,321,000 | 2,121,000 | 2,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,812,000 | 51,442,000 | 59,515,000 | 66,572,000 |
| Interest-bearing deposits | 35,921,000 | 42,775,000 | 51,275,000 | 55,758,000 |
| Noninterest-bearing deposits | 7,891,000 | 8,667,000 | 8,240,000 | 10,814,000 |
| Equity capital | 11,316,000 | 11,279,000 | 11,290,000 | 11,457,000 |
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 | 868,000 | 1,751,000 | 2,712,000 | 3,721,000 |
| Interest expense | 348,000 | 695,000 | 1,084,000 | 1,512,000 |
| Net interest income | 520,000 | 1,056,000 | 1,628,000 | 2,209,000 |
| Noninterest income | 12,000 | 27,000 | 45,000 | 56,000 |
| Noninterest expense | 507,000 | 965,000 | 1,459,000 | 2,020,000 |
| Provision for loan losses | 81,000 | 141,000 | 197,000 | 300,000 |
| Pretax income | -56,000 | -23,000 | 58,000 | 107,000 |
| Income tax | 0 | 0 | 0 | -87,000 |
| Net income | -56,000 | -23,000 | 58,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,550,000 | 10,584,000 | 10,665,000 | 10,803,000 |
| Total capital | 10,920,000 | 11,011,000 | 11,149,000 | 11,389,000 |
| Risk-weighted assets | 51,568,000 | 58,613,000 | 64,506,000 | 67,890,000 |