Call reports 2004
LIBERTY BANK & TRUST — 2004
What LIBERTY BANK & TRUST 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 | 24,067,000 | 24,320,000 | 23,600,000 | 25,551,000 |
| Total loans | 15,589,000 | 15,460,000 | 14,540,000 | 16,405,000 |
| Allowance for loan losses | 211,000 | 208,000 | 196,000 | 198,000 |
| Securities available for sale | 3,612,000 | 3,557,000 | 3,542,000 | 3,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,670,000 | 20,968,000 | 20,231,000 | 22,211,000 |
| Interest-bearing deposits | 15,987,000 | 16,481,000 | 16,533,000 | 16,703,000 |
| Noninterest-bearing deposits | 4,683,000 | 4,487,000 | 3,698,000 | 5,508,000 |
| Equity capital | 3,285,000 | 3,221,000 | 3,257,000 | 3,246,000 |
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 | 293,000 | 583,000 | 874,000 | 1,182,000 |
| Interest expense | 63,000 | 125,000 | 190,000 | 254,000 |
| Net interest income | 230,000 | 458,000 | 684,000 | 928,000 |
| Noninterest income | 58,000 | 114,000 | 177,000 | 245,000 |
| Noninterest expense | 276,000 | 565,000 | 839,000 | 1,137,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 6,000 | -5,000 | 4,000 | 12,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,000 | -5,000 | 4,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,204,000 | 3,201,000 | 3,203,000 | 3,211,000 |
| Total capital | 3,407,000 | 3,404,000 | 3,396,000 | 3,409,000 |
| Risk-weighted assets | 16,256,000 | 16,246,000 | 15,477,000 | 17,111,000 |