Call reports 2005
LIBERTY BANK N.A. — 2005
What LIBERTY BANK N.A. 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 | 88,604,000 | 94,611,000 | 102,580,000 | 109,085,000 |
| Total loans | 65,973,000 | 71,878,000 | 78,615,000 | 87,755,000 |
| Allowance for loan losses | 732,000 | 839,000 | 941,000 | 941,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,005,000 | 905,000 | 651,000 | 644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,277,000 | 70,287,000 | 78,860,000 | 84,789,000 |
| Interest-bearing deposits | 63,222,000 | 68,383,000 | 75,277,000 | 82,856,000 |
| Noninterest-bearing deposits | 2,055,000 | 1,904,000 | 3,583,000 | 1,933,000 |
| Equity capital | 19,802,000 | 20,091,000 | 20,342,000 | 20,683,000 |
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 | 1,177,000 | 2,531,000 | 3,811,000 | 5,351,000 |
| Interest expense | 282,000 | 715,000 | 1,202,000 | 1,805,000 |
| Net interest income | 895,000 | 1,816,000 | 2,609,000 | 3,546,000 |
| Noninterest income | 278,000 | 349,000 | 563,000 | 810,000 |
| Noninterest expense | 614,000 | 1,210,000 | 1,864,000 | 2,562,000 |
| Provision for loan losses | 52,000 | 159,000 | 261,000 | 261,000 |
| Pretax income | 507,000 | 796,000 | 1,047,000 | 1,533,000 |
| Income tax | 0 | 0 | 0 | 145,000 |
| Net income | 507,000 | 796,000 | 1,047,000 | 1,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,802,000 | 20,091,000 | 20,342,000 | 20,683,000 |
| Total capital | 20,534,000 | 20,930,000 | 21,283,000 | 21,624,000 |
| Risk-weighted assets | 74,053,000 | 104,101,000 | 113,776,000 | 118,174,000 |