Call reports 2005
LIBERTY BANK, INC. — 2005
What LIBERTY BANK, INC. 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 | 11,521,000 | 12,698,000 | 12,217,000 | 13,887,000 |
| Total loans | 9,561,000 | 9,976,000 | 9,634,000 | 11,332,000 |
| Allowance for loan losses | 265,000 | 265,000 | 265,000 | 265,000 |
| Securities available for sale | 750,000 | 750,000 | 1,353,000 | 1,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,784,000 | 9,124,000 | 8,887,000 | 10,512,000 |
| Interest-bearing deposits | 7,179,000 | 8,802,000 | 8,555,000 | 10,186,000 |
| Noninterest-bearing deposits | 605,000 | 322,000 | 332,000 | 327,000 |
| Equity capital | 2,582,000 | 2,638,000 | 2,681,000 | 2,726,000 |
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 | 191,000 | 424,000 | 663,000 | 988,000 |
| Interest expense | 46,000 | 104,000 | 179,000 | 263,000 |
| Net interest income | 145,000 | 320,000 | 484,000 | 725,000 |
| Noninterest income | 37,000 | 136,000 | 224,000 | 266,000 |
| Noninterest expense | 125,000 | 310,000 | 498,000 | 699,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 146,000 | 210,000 | 292,000 |
| Income tax | 19,000 | 53,000 | 74,000 | 102,000 |
| Net income | 38,000 | 93,000 | 136,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,582,000 | 2,638,000 | 2,681,000 | 2,735,000 |
| Total capital | 2,682,000 | 2,751,000 | 2,756,000 | 2,873,000 |
| Risk-weighted assets | 7,829,000 | 8,907,000 | 8,909,000 | 11,002,000 |
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