Call reports 2005
LIBERTY BANK — 2005
What LIBERTY 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 | 84,276,000 | 82,756,000 | 82,808,000 | 83,411,000 |
| Total loans | 36,213,000 | 37,623,000 | 36,938,000 | 37,657,000 |
| Allowance for loan losses | 588,000 | 633,000 | 667,000 | 641,000 |
| Securities available for sale | 27,944,000 | 26,950,000 | 25,238,000 | 24,347,000 |
| Securities held to maturity | 9,886,000 | 9,413,000 | 8,427,000 | 11,016,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,536,000 | 71,384,000 | 71,282,000 | 72,259,000 |
| Interest-bearing deposits | 59,370,000 | 57,339,000 | 57,423,000 | 56,889,000 |
| Noninterest-bearing deposits | 14,166,000 | 14,045,000 | 13,859,000 | 15,370,000 |
| Equity capital | 10,271,000 | 11,037,000 | 11,136,000 | 10,891,000 |
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 | 1,187,000 | 2,403,000 | 3,620,000 | 4,867,000 |
| Interest expense | 275,000 | 560,000 | 881,000 | 1,229,000 |
| Net interest income | 912,000 | 1,843,000 | 2,739,000 | 3,638,000 |
| Noninterest income | 172,000 | 373,000 | 586,000 | 776,000 |
| Noninterest expense | 570,000 | 1,140,000 | 1,748,000 | 2,333,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 150,000 |
| Pretax income | 469,000 | 986,000 | 1,442,000 | 1,931,000 |
| Income tax | 186,000 | 377,000 | 568,000 | 584,000 |
| Net income | 283,000 | 609,000 | 874,000 | 1,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,749,000 | 11,075,000 | 11,340,000 | 11,213,000 |
| Total capital | 11,282,000 | 11,613,000 | 11,874,000 | 11,763,000 |
| Risk-weighted assets | 42,613,000 | 42,914,000 | 42,551,000 | 43,937,000 |