Call reports 2005
LIBERTY BANK & TRUST — 2005
What LIBERTY BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Total assets | 23,658,000 | 23,707,000 |
| Total loans | 16,000,000 | 14,961,000 |
| Allowance for loan losses | 205,000 | 213,000 |
| Securities available for sale | 3,415,000 | 3,329,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 20,321,000 | 19,977,000 |
| Interest-bearing deposits | 15,968,000 | 15,579,000 |
| Noninterest-bearing deposits | 4,353,000 | 4,398,000 |
| Equity capital | 3,242,000 | 3,216,000 |
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 |
|---|---|---|
| Interest income | 317,000 | 621,000 |
| Interest expense | 67,000 | 140,000 |
| Net interest income | 250,000 | 481,000 |
| Noninterest income | 61,000 | 103,000 |
| Noninterest expense | 284,000 | 583,000 |
| Provision for loan losses | 6,000 | 12,000 |
| Pretax income | 21,000 | -11,000 |
| Income tax | 0 | 0 |
| Net income | 21,000 | -11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Tier 1 capital | 3,232,000 | 3,199,000 |
| Total capital | 3,389,000 | 3,398,000 |
| Risk-weighted assets | 12,530,000 | 15,918,000 |