Call reports 2004
LIBERTY BANK N.A. — 2004
What LIBERTY BANK N.A. 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 | 57,119,000 | 60,131,000 | 69,157,000 | 74,941,000 |
| Total loans | 39,909,000 | 43,636,000 | 45,274,000 | 58,658,000 |
| Allowance for loan losses | 680,000 | 680,000 | 680,000 | 680,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,230,000 | 1,021,000 | 1,016,000 | 1,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,399,000 | 40,546,000 | 48,814,000 | 52,960,000 |
| Interest-bearing deposits | 35,818,000 | 38,416,000 | 46,205,000 | 50,729,000 |
| Noninterest-bearing deposits | 1,581,000 | 2,130,000 | 2,609,000 | 2,231,000 |
| Equity capital | 18,668,000 | 18,820,000 | 19,007,000 | 19,295,000 |
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 | 775,000 | 1,572,000 | 2,387,000 | 3,427,000 |
| Interest expense | 136,000 | 287,000 | 472,000 | 712,000 |
| Net interest income | 639,000 | 1,285,000 | 1,915,000 | 2,715,000 |
| Noninterest income | 62,000 | 220,000 | 362,000 | 428,000 |
| Noninterest expense | 455,000 | 1,107,000 | 1,692,000 | 2,270,000 |
| Provision for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Pretax income | 205,000 | 357,000 | 544,000 | 832,000 |
| Income tax | -16,000 | -16,000 | -16,000 | -16,000 |
| Net income | 221,000 | 373,000 | 560,000 | 848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,668,000 | 18,820,000 | 19,007,000 | 19,295,000 |
| Total capital | 19,261,000 | 19,485,000 | 19,687,000 | 19,975,000 |
| Risk-weighted assets | 47,364,000 | 53,155,000 | 58,373,000 | 65,530,000 |