Call reports 2004
LIBERTY STATE BANK — 2004
What LIBERTY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,818,000 | 92,455,000 | 91,015,000 | 93,778,000 |
| Total loans | 54,382,000 | 58,098,000 | 58,731,000 | 60,241,000 |
| Allowance for loan losses | 1,134,000 | 1,114,000 | 1,128,000 | 1,124,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,927,000 | 28,012,000 | 26,826,000 | 23,813,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,345,000 | 82,831,000 | 81,160,000 | 83,646,000 |
| Interest-bearing deposits | 72,020,000 | 70,309,000 | 70,055,000 | 71,315,000 |
| Noninterest-bearing deposits | 13,325,000 | 12,522,000 | 11,105,000 | 12,331,000 |
| Equity capital | 9,017,000 | 9,311,000 | 9,479,000 | 9,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,248,000 | 2,519,000 | 3,795,000 | 5,081,000 |
| Interest expense | 311,000 | 627,000 | 951,000 | 1,302,000 |
| Net interest income | 937,000 | 1,892,000 | 2,844,000 | 3,779,000 |
| Noninterest income | 152,000 | 324,000 | 477,000 | 640,000 |
| Noninterest expense | 649,000 | 1,329,000 | 2,019,000 | 2,713,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 160,000 |
| Pretax income | 413,000 | 833,000 | 1,218,000 | 1,552,000 |
| Income tax | 147,000 | 273,000 | 407,000 | 530,000 |
| Net income | 266,000 | 560,000 | 811,000 | 1,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,017,000 | 9,311,000 | 9,479,000 | 9,760,000 |
| Total capital | 9,711,000 | 10,022,000 | 10,194,000 | 10,493,000 |
| Risk-weighted assets | 55,109,000 | 56,517,000 | 56,826,000 | 58,255,000 |
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