Call reports 2004
LIBERTY BANK — 2004
What LIBERTY 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 | 80,877,000 | 80,420,000 | 82,070,000 | 84,544,000 |
| Total loans | 39,384,000 | 38,943,000 | 37,265,000 | 36,693,000 |
| Allowance for loan losses | 563,000 | 528,000 | 533,000 | 551,000 |
| Securities available for sale | 31,440,000 | 29,190,000 | 30,139,000 | 29,148,000 |
| Securities held to maturity | 1,533,000 | 1,489,000 | 4,061,000 | 6,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,169,000 | 70,400,000 | 71,021,000 | 73,780,000 |
| Interest-bearing deposits | 58,881,000 | 58,136,000 | 58,780,000 | 60,192,000 |
| Noninterest-bearing deposits | 11,288,000 | 12,264,000 | 12,241,000 | 13,588,000 |
| Equity capital | 10,154,000 | 9,658,000 | 10,588,000 | 10,390,000 |
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 | 1,164,000 | 2,273,000 | 3,424,000 | 4,626,000 |
| Interest expense | 266,000 | 535,000 | 802,000 | 1,081,000 |
| Net interest income | 898,000 | 1,738,000 | 2,622,000 | 3,545,000 |
| Noninterest income | 161,000 | 337,000 | 508,000 | 690,000 |
| Noninterest expense | 589,000 | 1,103,000 | 1,655,000 | 2,267,000 |
| Provision for loan losses | 45,000 | 82,000 | 105,000 | 128,000 |
| Pretax income | 425,000 | 890,000 | 1,370,000 | 1,840,000 |
| Income tax | 147,000 | 309,000 | 479,000 | 644,000 |
| Net income | 278,000 | 581,000 | 891,000 | 1,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,008,000 | 10,311,000 | 10,621,000 | 10,466,000 |
| Total capital | 10,558,000 | 10,840,000 | 11,154,000 | 11,002,000 |
| Risk-weighted assets | 43,952,000 | 43,851,000 | 42,969,000 | 42,840,000 |