Call reports 2005
LIBERTY NATIONAL BANK — 2005
What LIBERTY NATIONAL 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 | 132,083,000 | 135,932,000 | 139,398,000 | 146,623,000 |
| Total loans | 105,362,000 | 110,087,000 | 120,037,000 | 124,276,000 |
| Allowance for loan losses | 925,000 | 1,004,000 | 1,087,000 | 1,063,000 |
| Securities available for sale | 6,417,000 | 6,222,000 | 5,879,000 | 5,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,915,000 | 113,028,000 | 118,011,000 | 120,961,000 |
| Interest-bearing deposits | 91,077,000 | 93,098,000 | 96,968,000 | 101,052,000 |
| Noninterest-bearing deposits | 18,838,000 | 19,930,000 | 21,043,000 | 19,909,000 |
| Equity capital | 9,572,000 | 12,219,000 | 12,592,000 | 12,743,000 |
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 | 2,108,000 | 4,363,000 | 6,793,000 | 9,403,000 |
| Interest expense | 502,000 | 1,093,000 | 1,757,000 | 2,548,000 |
| Net interest income | 1,606,000 | 3,270,000 | 5,036,000 | 6,855,000 |
| Noninterest income | 304,000 | 625,000 | 963,000 | 1,265,000 |
| Noninterest expense | 1,236,000 | 2,518,000 | 3,897,000 | 5,348,000 |
| Provision for loan losses | 117,000 | 257,000 | 398,000 | 667,000 |
| Pretax income | 557,000 | 1,120,000 | 1,704,000 | 2,105,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 557,000 | 1,120,000 | 1,704,000 | 2,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,191,000 | 11,799,000 | 12,188,000 | 12,396,000 |
| Total capital | 10,115,000 | 12,803,000 | 13,275,000 | 13,459,000 |
| Risk-weighted assets | 100,917,000 | 103,844,000 | 111,229,000 | 118,224,000 |