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 | 30,591,000 | 49,811,000 | 59,087,000 | 68,814,000 |
| Total loans | 9,304,000 | 24,798,000 | 30,307,000 | 30,231,000 |
| Allowance for loan losses | 117,000 | 286,000 | 456,000 | 569,000 |
| Securities available for sale | 2,977,000 | 2,986,000 | 5,209,000 | 6,066,000 |
| Securities held to maturity | 997,000 | 1,497,000 | 1,498,000 | 2,516,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,009,000 | 34,821,000 | 44,891,000 | 54,087,000 |
| Interest-bearing deposits | 15,798,000 | 25,060,000 | 35,437,000 | 42,411,000 |
| Noninterest-bearing deposits | 2,211,000 | 9,761,000 | 9,454,000 | 11,676,000 |
| Equity capital | 12,485,000 | 12,225,000 | 11,996,000 | 11,808,000 |
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 | 83,000 | 527,000 | 1,258,000 | 2,118,000 |
| Interest expense | 18,000 | 114,000 | 289,000 | 561,000 |
| Net interest income | 65,000 | 413,000 | 969,000 | 1,557,000 |
| Noninterest income | 1,000 | 6,000 | 16,000 | 28,000 |
| Noninterest expense | 711,000 | 1,156,000 | 1,771,000 | 2,408,000 |
| Provision for loan losses | 117,000 | 286,000 | 456,000 | 569,000 |
| Pretax income | -762,000 | -1,023,000 | -1,242,000 | -1,392,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -762,000 | -1,023,000 | -1,242,000 | -1,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,488,000 | 12,227,000 | 11,996,000 | 11,858,000 |
| Total capital | 12,605,000 | 12,513,000 | 12,452,000 | 12,361,000 |
| Risk-weighted assets | 15,570,000 | 31,926,000 | 38,299,000 | 40,689,000 |
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