Call reports 2006
LIBERTY BANK N.A. — 2006
What LIBERTY BANK N.A. 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 | 122,178,000 | 134,266,000 | 149,177,000 | 147,581,000 |
| Total loans | 100,481,000 | 104,544,000 | 108,740,000 | 122,743,000 |
| Allowance for loan losses | 941,000 | 1,021,000 | 1,051,000 | 1,096,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 535,000 | 529,000 | 514,000 | 324,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,895,000 | 96,291,000 | 108,536,000 | 106,411,000 |
| Interest-bearing deposits | 82,212,000 | 93,176,000 | 104,593,000 | 103,475,000 |
| Noninterest-bearing deposits | 1,683,000 | 3,115,000 | 3,943,000 | 2,935,000 |
| Equity capital | 36,049,000 | 36,333,000 | 36,620,000 | 37,059,000 |
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 | 1,853,000 | 3,910,000 | 6,180,000 | 8,742,000 |
| Interest expense | 712,000 | 1,644,000 | 2,749,000 | 3,963,000 |
| Net interest income | 1,141,000 | 2,266,000 | 3,431,000 | 4,779,000 |
| Noninterest income | 108,000 | 210,000 | 285,000 | 457,000 |
| Noninterest expense | 707,000 | 1,411,000 | 2,201,000 | 3,018,000 |
| Provision for loan losses | 0 | 80,000 | 110,000 | 155,000 |
| Pretax income | 542,000 | 985,000 | 1,405,000 | 2,063,000 |
| Income tax | 176,000 | 305,000 | 439,000 | 658,000 |
| Net income | 366,000 | 680,000 | 966,000 | 1,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,049,000 | 36,333,000 | 36,620,000 | 37,059,000 |
| Total capital | 36,990,000 | 37,354,000 | 37,671,000 | 38,155,000 |
| Risk-weighted assets | 126,400,000 | 138,231,000 | 144,053,000 | 152,847,000 |