Call reports 2006
LIBERTY BANK — 2006
What LIBERTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 83,786,000 | 82,828,000 | 84,863,000 | 83,225,000 |
| Total loans | 38,311,000 | 37,955,000 | 37,512,000 | 37,715,000 |
| Allowance for loan losses | 653,000 | 639,000 | 617,000 | 602,000 |
| Securities available for sale | 23,896,000 | 23,026,000 | 21,887,000 | 23,228,000 |
| Securities held to maturity | 10,698,000 | 11,366,000 | 11,001,000 | 12,790,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,434,000 | 71,597,000 | 72,886,000 | 71,596,000 |
| Interest-bearing deposits | 57,865,000 | 58,266,000 | 58,148,000 | 57,780,000 |
| Noninterest-bearing deposits | 14,569,000 | 13,331,000 | 14,739,000 | 13,816,000 |
| Equity capital | 10,907,000 | 10,979,000 | 11,618,000 | 11,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,248,000 | 2,543,000 | 3,840,000 | 5,200,000 |
| Interest expense | 403,000 | 848,000 | 1,333,000 | 1,857,000 |
| Net interest income | 845,000 | 1,695,000 | 2,507,000 | 3,343,000 |
| Noninterest income | 170,000 | 362,000 | 555,000 | 719,000 |
| Noninterest expense | 641,000 | 1,208,000 | 1,841,000 | 2,462,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 374,000 | 849,000 | 1,211,000 | 1,589,000 |
| Income tax | 191,000 | 289,000 | 450,000 | 584,000 |
| Net income | 183,000 | 560,000 | 761,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,396,000 | 11,773,000 | 11,974,000 | 11,618,000 |
| Total capital | 11,952,000 | 12,330,000 | 12,519,000 | 12,165,000 |
| Risk-weighted assets | 44,415,000 | 44,467,000 | 43,545,000 | 43,629,000 |