Call reports 2005
FIRST LIBERTY BANK — 2005
What FIRST LIBERTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 237,503,000 | 229,674,000 | 227,376,000 | 240,655,000 |
| Total loans | 74,051,000 | 77,633,000 | 81,839,000 | 82,082,000 |
| Allowance for loan losses | 793,000 | 770,000 | 790,000 | 867,000 |
| Securities available for sale | 80,951,000 | 76,556,000 | 69,807,000 | 72,589,000 |
| Securities held to maturity | 53,833,000 | 54,813,000 | 52,924,000 | 55,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,136,000 | 199,050,000 | 196,859,000 | 209,947,000 |
| Interest-bearing deposits | 173,663,000 | 162,904,000 | 160,549,000 | 167,085,000 |
| Noninterest-bearing deposits | 34,473,000 | 36,146,000 | 36,310,000 | 42,862,000 |
| Equity capital | 28,943,000 | 29,739,000 | 29,954,000 | 30,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,309,000 | 4,739,000 | 7,212,000 | 9,849,000 |
| Interest expense | 862,000 | 1,790,000 | 2,742,000 | 3,795,000 |
| Net interest income | 1,447,000 | 2,949,000 | 4,470,000 | 6,054,000 |
| Noninterest income | 751,000 | 1,593,000 | 2,387,000 | 3,076,000 |
| Noninterest expense | 1,446,000 | 2,917,000 | 4,403,000 | 5,886,000 |
| Provision for loan losses | 48,000 | 96,000 | 144,000 | 192,000 |
| Pretax income | 883,000 | 1,716,000 | 2,484,000 | 3,226,000 |
| Income tax | 212,000 | 406,000 | 564,000 | 721,000 |
| Net income | 671,000 | 1,310,000 | 1,920,000 | 2,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,148,000 | 29,521,000 | 30,131,000 | 30,423,000 |
| Total capital | 29,941,000 | 30,291,000 | 30,921,000 | 31,290,000 |
| Risk-weighted assets | 102,091,000 | 100,429,000 | 104,009,000 | 107,063,000 |
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