Call reports 2005
NEW LIBERTY BANK — 2005
What NEW 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 | 66,927,000 | 70,318,000 | 70,967,000 | 79,721,000 |
| Total loans | 50,568,000 | 52,233,000 | 55,240,000 | 62,547,000 |
| Allowance for loan losses | 641,000 | 614,000 | 615,000 | 636,000 |
| Securities available for sale | 3,270,000 | 3,541,000 | 3,424,000 | 3,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,019,000 | 58,038,000 | 58,575,000 | 67,322,000 |
| Interest-bearing deposits | 44,137,000 | 45,248,000 | 45,371,000 | 54,820,000 |
| Noninterest-bearing deposits | 11,882,000 | 12,790,000 | 13,204,000 | 12,502,000 |
| Equity capital | 7,684,000 | 9,017,000 | 9,124,000 | 9,211,000 |
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 | 888,000 | 1,863,000 | 2,901,000 | 4,100,000 |
| Interest expense | 316,000 | 652,000 | 1,018,000 | 1,461,000 |
| Net interest income | 572,000 | 1,211,000 | 1,883,000 | 2,639,000 |
| Noninterest income | 60,000 | 129,000 | 190,000 | 242,000 |
| Noninterest expense | 591,000 | 1,201,000 | 1,823,000 | 2,501,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 41,000 | 139,000 | 250,000 | 360,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 41,000 | 139,000 | 250,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,956,000 | 8,319,000 | 8,469,000 | 8,618,000 |
| Total capital | 7,597,000 | 8,933,000 | 9,084,000 | 9,254,000 |
| Risk-weighted assets | 56,998,000 | 57,792,000 | 60,731,000 | 65,737,000 |