Call reports 2004
NEW LIBERTY BANK — 2004
What NEW LIBERTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,394,000 | 59,868,000 | 59,359,000 | 61,985,000 |
| Total loans | 45,404,000 | 48,775,000 | 47,296,000 | 47,734,000 |
| Allowance for loan losses | 687,000 | 640,000 | 640,000 | 625,000 |
| Securities available for sale | 749,000 | 2,008,000 | 2,033,000 | 2,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,747,000 | 53,232,000 | 52,637,000 | 51,776,000 |
| Interest-bearing deposits | 39,762,000 | 41,167,000 | 42,035,000 | 41,096,000 |
| Noninterest-bearing deposits | 8,985,000 | 12,065,000 | 10,602,000 | 10,680,000 |
| Equity capital | 6,488,000 | 6,492,000 | 6,599,000 | 6,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 706,000 | 1,436,000 | 2,217,000 | 3,043,000 |
| Interest expense | 222,000 | 461,000 | 713,000 | 979,000 |
| Net interest income | 484,000 | 975,000 | 1,504,000 | 2,064,000 |
| Noninterest income | 82,000 | 177,000 | 251,000 | 313,000 |
| Noninterest expense | 526,000 | 1,071,000 | 1,586,000 | 2,160,000 |
| Provision for loan losses | 21,000 | 21,000 | 21,000 | 21,000 |
| Pretax income | 19,000 | 60,000 | 148,000 | 196,000 |
| Income tax | 4,000 | 11,000 | 22,000 | 31,000 |
| Net income | 15,000 | 49,000 | 126,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,588,000 | 5,662,000 | 5,779,000 | 5,856,000 |
| Total capital | 6,247,000 | 6,302,000 | 6,419,000 | 6,481,000 |
| Risk-weighted assets | 52,665,000 | 55,299,000 | 54,046,000 | 54,661,000 |
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