Call reports 2005
LIBERTY BANK AND TRUST COMPANY — 2005
What LIBERTY BANK AND TRUST COMPANY 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 | 361,681,000 | 359,749,000 | 340,450,000 | 294,905,000 |
| Total loans | 125,691,000 | 133,943,000 | 143,342,000 | 140,459,000 |
| Allowance for loan losses | 2,321,000 | 2,312,000 | 2,399,000 | 4,605,000 |
| Securities available for sale | 182,461,000 | 189,678,000 | 168,145,000 | 129,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,890,000 | 308,084,000 | 276,421,000 | 256,661,000 |
| Interest-bearing deposits | 256,519,000 | 232,039,000 | 189,580,000 | 177,078,000 |
| Noninterest-bearing deposits | 75,371,000 | 76,045,000 | 86,841,000 | 79,583,000 |
| Equity capital | 21,938,000 | 24,171,000 | 22,485,000 | 19,623,000 |
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 | 4,748,000 | 9,533,000 | 13,706,000 | 17,973,000 |
| Interest expense | 1,475,000 | 3,067,000 | 4,702,000 | 5,974,000 |
| Net interest income | 3,273,000 | 6,466,000 | 9,004,000 | 11,999,000 |
| Noninterest income | 868,000 | 2,006,000 | 3,172,000 | 4,049,000 |
| Noninterest expense | 3,258,000 | 6,596,000 | 10,422,000 | 15,086,000 |
| Provision for loan losses | 180,000 | 300,000 | 480,000 | 2,660,000 |
| Pretax income | 703,000 | 1,576,000 | 1,322,000 | -3,041,000 |
| Income tax | 125,000 | 309,000 | 309,000 | -1,533,000 |
| Net income | 578,000 | 1,267,000 | 1,013,000 | -1,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,125,000 | 24,698,000 | 24,140,000 | 21,577,000 |
| Total capital | 26,209,000 | 26,853,000 | 26,330,000 | 23,659,000 |
| Risk-weighted assets | 166,517,000 | 172,204,000 | 174,958,000 | 164,014,000 |
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