Call reports 2004
LIBERTY TRUST & SAVINGS BANK — 2004
What LIBERTY TRUST & SAVINGS BANK 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 | 116,115,000 | 112,506,000 | 111,721,000 | 113,994,000 |
| Total loans | 49,567,000 | 50,217,000 | 50,183,000 | 47,495,000 |
| Allowance for loan losses | 872,000 | 864,000 | 909,000 | 955,000 |
| Securities available for sale | 54,571,000 | 52,934,000 | 51,765,000 | 53,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,194,000 | 97,032,000 | 95,770,000 | 98,234,000 |
| Interest-bearing deposits | 89,857,000 | 86,598,000 | 85,594,000 | 86,157,000 |
| Noninterest-bearing deposits | 9,337,000 | 10,434,000 | 10,176,000 | 12,077,000 |
| Equity capital | 15,050,000 | 14,586,000 | 15,012,000 | 14,994,000 |
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 | 1,290,000 | 2,574,000 | 3,844,000 | 5,092,000 |
| Interest expense | 444,000 | 856,000 | 1,248,000 | 1,650,000 |
| Net interest income | 846,000 | 1,718,000 | 2,596,000 | 3,442,000 |
| Noninterest income | 116,000 | 201,000 | 288,000 | 380,000 |
| Noninterest expense | 579,000 | 1,147,000 | 1,725,000 | 2,371,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 338,000 | 683,000 | 1,025,000 | 1,245,000 |
| Income tax | 67,000 | 136,000 | 209,000 | 237,000 |
| Net income | 271,000 | 547,000 | 816,000 | 1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,208,000 | 14,489,000 | 14,634,000 | 14,831,000 |
| Total capital | 14,938,000 | 15,227,000 | 15,374,000 | 15,549,000 |
| Risk-weighted assets | 58,272,000 | 58,946,000 | 59,063,000 | 57,193,000 |