Call reports 2004
LIBERTY BANK, SSB — 2004
What LIBERTY BANK, SSB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 186,688,000 | 175,065,000 |
| Total loans | 129,484,000 | 120,309,000 |
| Allowance for loan losses | 1,762,000 | 1,749,000 |
| Securities available for sale | 15,112,000 | 0 |
| Securities held to maturity | 150,000 | 80,000 |
| Trading assets | 0 | 0 |
| Total deposits | 170,094,000 | 158,140,000 |
| Interest-bearing deposits | 128,951,000 | 111,601,000 |
| Noninterest-bearing deposits | 41,143,000 | 46,539,000 |
| Equity capital | 16,160,000 | 16,527,000 |
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 |
|---|---|---|
| Interest income | 2,083,000 | 4,027,000 |
| Interest expense | 477,000 | 878,000 |
| Net interest income | 1,606,000 | 3,149,000 |
| Noninterest income | 398,000 | 848,000 |
| Noninterest expense | 1,349,000 | 2,680,000 |
| Provision for loan losses | 10,000 | 10,000 |
| Pretax income | 645,000 | 1,307,000 |
| Income tax | 145,000 | 440,000 |
| Net income | 500,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 16,078,000 | 16,445,000 |
| Total capital | 17,737,000 | 18,078,000 |
| Risk-weighted assets | 132,584,000 | 130,535,000 |