Call reports 2005
LIBERTY STATE BANK — 2005
What LIBERTY STATE 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 | 30,037,000 | 31,366,000 | 32,303,000 | 30,641,000 |
| Total loans | 16,396,000 | 17,613,000 | 18,688,000 | 17,536,000 |
| Allowance for loan losses | 290,000 | 293,000 | 296,000 | 300,000 |
| Securities available for sale | 12,337,000 | 12,268,000 | 11,385,000 | 11,339,000 |
| Securities held to maturity | 125,000 | 110,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,413,000 | 21,095,000 | 21,740,000 | 22,010,000 |
| Interest-bearing deposits | 19,121,000 | 18,616,000 | 18,814,000 | 18,796,000 |
| Noninterest-bearing deposits | 2,292,000 | 2,479,000 | 2,926,000 | 3,214,000 |
| Equity capital | 5,053,000 | 5,116,000 | 5,243,000 | 5,263,000 |
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 | 414,000 | 823,000 | 1,282,000 | 1,742,000 |
| Interest expense | 98,000 | 212,000 | 350,000 | 489,000 |
| Net interest income | 316,000 | 611,000 | 932,000 | 1,253,000 |
| Noninterest income | 29,000 | 44,000 | 61,000 | 81,000 |
| Noninterest expense | 129,000 | 281,000 | 424,000 | 604,000 |
| Provision for loan losses | 6,000 | 9,000 | 12,000 | 16,000 |
| Pretax income | 210,000 | 365,000 | 557,000 | 714,000 |
| Income tax | 56,000 | 102,000 | 156,000 | 225,000 |
| Net income | 154,000 | 263,000 | 401,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,016,000 | 5,075,000 | 5,213,000 | 5,245,000 |
| Total capital | 5,256,000 | 5,333,000 | 5,484,000 | 5,497,000 |
| Risk-weighted assets | 19,145,000 | 20,579,000 | 21,647,000 | 20,112,000 |
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