Call reports 2005
LIBERTY BANK — 2005
What 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 | 159,333,000 | 163,920,000 | 158,044,000 | 152,333,000 |
| Total loans | 97,882,000 | 99,383,000 | 100,262,000 | 106,028,000 |
| Allowance for loan losses | 1,682,000 | 1,670,000 | 1,477,000 | 1,480,000 |
| Securities available for sale | 46,708,000 | 45,444,000 | 43,441,000 | 37,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,230,000 | 148,784,000 | 142,526,000 | 134,644,000 |
| Interest-bearing deposits | 126,961,000 | 129,589,000 | 124,607,000 | 114,992,000 |
| Noninterest-bearing deposits | 17,269,000 | 19,195,000 | 17,919,000 | 19,652,000 |
| Equity capital | 13,518,000 | 14,096,000 | 14,448,000 | 14,616,000 |
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 | 1,917,000 | 3,955,000 | 6,100,000 | 8,235,000 |
| Interest expense | 604,000 | 1,297,000 | 2,001,000 | 2,717,000 |
| Net interest income | 1,313,000 | 2,658,000 | 4,099,000 | 5,518,000 |
| Noninterest income | 150,000 | 364,000 | 594,000 | 853,000 |
| Noninterest expense | 838,000 | 1,684,000 | 2,579,000 | 3,416,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 625,000 | 1,338,000 | 2,114,000 | 2,951,000 |
| Income tax | 228,000 | 474,000 | 746,000 | 1,040,000 |
| Net income | 397,000 | 864,000 | 1,368,000 | 1,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,907,000 | 14,273,000 | 14,775,000 | 15,099,000 |
| Total capital | 15,220,000 | 15,573,000 | 16,089,000 | 16,449,000 |
| Risk-weighted assets | 105,156,000 | 104,172,000 | 104,481,000 | 108,538,000 |
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