Call reports 2005
LIBERTY BANK FOR SAVINGS — 2005
What LIBERTY BANK FOR SAVINGS 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 | 756,739,000 | 751,702,000 | 760,527,000 | 744,497,000 |
| Total loans | 251,230,000 | 265,048,000 | 267,601,000 | 268,172,000 |
| Allowance for loan losses | 1,582,000 | 1,582,000 | 1,582,000 | 1,582,000 |
| Securities available for sale | 455,378,000 | 448,511,000 | 442,067,000 | 427,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,460,000 | 607,566,000 | 619,056,000 | 602,808,000 |
| Interest-bearing deposits | 594,538,000 | 581,715,000 | 585,495,000 | 576,576,000 |
| Noninterest-bearing deposits | 22,922,000 | 25,851,000 | 33,561,000 | 26,232,000 |
| Equity capital | 133,770,000 | 138,123,000 | 136,042,000 | 135,950,000 |
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 | 8,840,000 | 17,598,000 | 26,392,000 | 35,143,000 |
| Interest expense | 3,023,000 | 6,141,000 | 9,480,000 | 12,940,000 |
| Net interest income | 5,817,000 | 11,457,000 | 16,912,000 | 22,203,000 |
| Noninterest income | 355,000 | 639,000 | 947,000 | 1,273,000 |
| Noninterest expense | 4,043,000 | 7,681,000 | 11,552,000 | 15,207,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,011,000 | 4,300,000 | 6,192,000 | 8,154,000 |
| Income tax | 627,000 | 1,385,000 | 1,998,000 | 2,648,000 |
| Net income | 1,384,000 | 2,915,000 | 4,194,000 | 5,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,642,000 | 137,179,000 | 138,460,000 | 139,777,000 |
| Total capital | 137,466,000 | 139,010,000 | 140,312,000 | 141,684,000 |
| Risk-weighted assets | 290,913,000 | 283,205,000 | 294,264,000 | 293,801,000 |