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 | 80,590,000 | 84,973,000 | 79,989,000 | 84,515,000 |
| Total loans | 26,200,000 | 36,557,000 | 42,266,000 | 45,319,000 |
| Allowance for loan losses | 610,000 | 610,000 | 690,000 | 710,000 |
| Securities available for sale | 6,521,000 | 5,951,000 | 5,406,000 | 6,413,000 |
| Securities held to maturity | 4,479,000 | 5,920,000 | 5,898,000 | 5,881,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,289,000 | 68,092,000 | 65,685,000 | 68,181,000 |
| Interest-bearing deposits | 55,397,000 | 56,201,000 | 54,650,000 | 58,224,000 |
| Noninterest-bearing deposits | 11,893,000 | 11,891,000 | 11,035,000 | 9,957,000 |
| Equity capital | 11,741,000 | 11,777,000 | 11,850,000 | 12,004,000 |
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 | 915,000 | 2,019,000 | 3,217,000 | 4,391,000 |
| Interest expense | 342,000 | 816,000 | 1,326,000 | 1,883,000 |
| Net interest income | 573,000 | 1,203,000 | 1,891,000 | 2,508,000 |
| Noninterest income | 14,000 | 31,000 | 48,000 | 103,000 |
| Noninterest expense | 603,000 | 1,192,000 | 1,793,000 | 2,325,000 |
| Provision for loan losses | 41,000 | 41,000 | 121,000 | 141,000 |
| Pretax income | -57,000 | 1,000 | 25,000 | 145,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -57,000 | 1,000 | 25,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,801,000 | 11,859,000 | 11,882,000 | 12,027,000 |
| Total capital | 12,301,000 | 12,469,000 | 12,538,000 | 12,736,000 |
| Risk-weighted assets | 39,804,000 | 49,507,000 | 52,798,000 | 56,734,000 |