Call reports 2005
LIVERPOOL COMMUNITY BANK — 2005
What LIVERPOOL COMMUNITY 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 | 34,043,000 | 34,381,000 | 33,771,000 | 34,964,000 |
| Total loans | 27,315,000 | 27,555,000 | 28,467,000 | 28,298,000 |
| Allowance for loan losses | 336,000 | 341,000 | 348,000 | 355,000 |
| Securities available for sale | 2,650,000 | 3,759,000 | 3,351,000 | 3,334,000 |
| Securities held to maturity | 1,331,000 | 1,240,000 | 639,000 | 275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,822,000 | 30,031,000 | 29,284,000 | 30,348,000 |
| Interest-bearing deposits | 26,448,000 | 26,587,000 | 25,995,000 | 26,924,000 |
| Noninterest-bearing deposits | 3,374,000 | 3,444,000 | 3,289,000 | 3,424,000 |
| Equity capital | 3,910,000 | 4,055,000 | 4,172,000 | 4,308,000 |
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 | 504,000 | 1,035,000 | 1,577,000 | 2,115,000 |
| Interest expense | 151,000 | 315,000 | 488,000 | 677,000 |
| Net interest income | 353,000 | 720,000 | 1,089,000 | 1,438,000 |
| Noninterest income | 60,000 | 98,000 | 184,000 | 229,000 |
| Noninterest expense | 209,000 | 413,000 | 637,000 | 869,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 198,000 | 393,000 | 618,000 | 774,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 198,000 | 393,000 | 618,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,932,000 | 4,076,000 | 4,199,000 | 4,261,000 |
| Total capital | 4,186,000 | 4,330,000 | 4,455,000 | 4,524,000 |
| Risk-weighted assets | 20,224,000 | 20,480,000 | 20,418,000 | 20,323,000 |