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 | 86,232,000 | 83,640,000 | 87,301,000 | 171,318,000 |
| Total loans | 65,011,000 | 66,287,000 | 59,888,000 | 127,533,000 |
| Allowance for loan losses | 590,000 | 605,000 | 635,000 | 1,161,000 |
| Securities available for sale | 9,358,000 | 9,412,000 | 12,288,000 | 18,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,854,000 | 64,523,000 | 70,250,000 | 125,382,000 |
| Interest-bearing deposits | 56,061,000 | 55,119,000 | 60,230,000 | 102,489,000 |
| Noninterest-bearing deposits | 10,793,000 | 9,404,000 | 10,020,000 | 22,893,000 |
| Equity capital | 11,881,000 | 7,885,000 | 8,342,000 | 26,569,000 |
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 | 1,273,000 | 2,488,000 | 3,682,000 | 7,128,000 |
| Interest expense | 648,000 | 1,222,000 | 1,792,000 | 2,833,000 |
| Net interest income | 625,000 | 1,266,000 | 1,890,000 | 4,295,000 |
| Noninterest income | 83,000 | 178,000 | 256,000 | 611,000 |
| Noninterest expense | 647,000 | 1,293,000 | 1,931,000 | 4,123,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 91,000 | 166,000 | 200,000 | 738,000 |
| Income tax | 35,000 | 63,000 | 75,000 | 257,000 |
| Net income | 56,000 | 103,000 | 125,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,671,000 | 6,798,000 | 7,278,000 | 14,243,000 |
| Total capital | 11,261,000 | 7,403,000 | 7,913,000 | 15,404,000 |
| Risk-weighted assets | 73,662,000 | 72,358,000 | 67,665,000 | 136,840,000 |