Call reports 2006
LIVERPOOL COMMUNITY BANK — 2006
What LIVERPOOL COMMUNITY BANK 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 | 37,435,000 | 37,445,000 | 36,390,000 | 36,885,000 |
| Total loans | 28,596,000 | 29,093,000 | 29,034,000 | 28,628,000 |
| Allowance for loan losses | 362,000 | 368,000 | 374,000 | 381,000 |
| Securities available for sale | 3,837,000 | 4,519,000 | 4,252,000 | 3,957,000 |
| Securities held to maturity | 275,000 | 275,000 | 275,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,780,000 | 32,718,000 | 31,514,000 | 31,798,000 |
| Interest-bearing deposits | 28,771,000 | 28,884,000 | 28,085,000 | 28,294,000 |
| Noninterest-bearing deposits | 4,009,000 | 3,834,000 | 3,429,000 | 3,504,000 |
| Equity capital | 4,306,000 | 4,404,000 | 4,516,000 | 4,809,000 |
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 | 564,000 | 1,167,000 | 1,772,000 | 2,373,000 |
| Interest expense | 207,000 | 432,000 | 661,000 | 899,000 |
| Net interest income | 357,000 | 735,000 | 1,111,000 | 1,474,000 |
| Noninterest income | 46,000 | 89,000 | 137,000 | 196,000 |
| Noninterest expense | 236,000 | 476,000 | 728,000 | 936,000 |
| Provision for loan losses | 7,000 | 13,000 | 20,000 | 27,000 |
| Pretax income | 160,000 | 335,000 | 500,000 | 707,000 |
| Income tax | 0 | 0 | 8,000 | -77,000 |
| Net income | 160,000 | 335,000 | 492,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,345,000 | 4,347,000 | 4,535,000 | 4,827,000 |
| Total capital | 4,606,000 | 4,608,000 | 4,797,000 | 5,100,000 |
| Risk-weighted assets | 21,203,000 | 21,393,000 | 20,904,000 | 20,943,000 |