Call reports 2006
LIBERTY BANK, INC. — 2006
What LIBERTY BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 15,376,000 | 15,294,000 | 16,549,000 | 15,787,000 |
| Total loans | 13,171,000 | 12,452,000 | 13,683,000 | 12,612,000 |
| Allowance for loan losses | 265,000 | 265,000 | 266,000 | 266,000 |
| Securities available for sale | 1,344,000 | 1,345,000 | 698,000 | 874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,935,000 | 12,040,000 | 13,150,000 | 11,777,000 |
| Interest-bearing deposits | 11,573,000 | 11,465,000 | 12,643,000 | 11,306,000 |
| Noninterest-bearing deposits | 362,000 | 575,000 | 507,000 | 471,000 |
| Equity capital | 2,758,000 | 2,824,000 | 2,909,000 | 2,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 351,000 | 757,000 | 1,191,000 | 1,594,000 |
| Interest expense | 110,000 | 237,000 | 377,000 | 514,000 |
| Net interest income | 241,000 | 520,000 | 814,000 | 1,080,000 |
| Noninterest income | 8,000 | 13,000 | 28,000 | 47,000 |
| Noninterest expense | 194,000 | 376,000 | 560,000 | 769,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 55,000 | 157,000 | 282,000 | 358,000 |
| Income tax | 17,000 | 54,000 | 97,000 | 132,000 |
| Net income | 38,000 | 103,000 | 185,000 | 226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,758,000 | 2,824,000 | 2,909,000 | 2,956,000 |
| Total capital | 2,920,000 | 2,981,000 | 3,078,000 | 3,113,000 |
| Risk-weighted assets | 12,820,000 | 12,461,000 | 13,332,000 | 12,532,000 |
Machine access — free, no API key
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