Call reports 2005
LIBERTY STATE BANK — 2005
What LIBERTY STATE 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 | 96,839,000 | 93,979,000 | 93,500,000 | 92,999,000 |
| Total loans | 61,476,000 | 62,545,000 | 62,223,000 | 60,553,000 |
| Allowance for loan losses | 1,044,000 | 1,040,000 | 1,037,000 | 991,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,028,000 | 22,712,000 | 22,277,000 | 22,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,515,000 | 83,420,000 | 82,971,000 | 82,372,000 |
| Interest-bearing deposits | 75,065,000 | 71,204,000 | 70,939,000 | 71,723,000 |
| Noninterest-bearing deposits | 11,450,000 | 12,216,000 | 12,032,000 | 10,649,000 |
| Equity capital | 9,860,000 | 10,129,000 | 10,108,000 | 10,326,000 |
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 | 1,279,000 | 2,619,000 | 3,975,000 | 5,346,000 |
| Interest expense | 367,000 | 753,000 | 1,185,000 | 1,663,000 |
| Net interest income | 912,000 | 1,866,000 | 2,790,000 | 3,683,000 |
| Noninterest income | 140,000 | 295,000 | 454,000 | 629,000 |
| Noninterest expense | 710,000 | 1,427,000 | 2,261,000 | 3,097,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 195,000 |
| Pretax income | 297,000 | 648,000 | 853,000 | 1,025,000 |
| Income tax | 107,000 | 189,000 | 324,000 | 278,000 |
| Net income | 190,000 | 459,000 | 529,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,860,000 | 10,129,000 | 10,108,000 | 10,326,000 |
| Total capital | 10,611,000 | 10,881,000 | 10,863,000 | 11,050,000 |
| Risk-weighted assets | 59,764,000 | 59,852,000 | 60,100,000 | 57,680,000 |
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