Call reports 2005
LIBERTY TRUST & SAVINGS BANK — 2005
What LIBERTY TRUST & SAVINGS 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 | 112,477,000 | 108,966,000 | 109,410,000 | 109,852,000 |
| Total loans | 49,247,000 | 50,377,000 | 51,339,000 | 49,119,000 |
| Allowance for loan losses | 1,011,000 | 1,012,000 | 937,000 | 937,000 |
| Securities available for sale | 54,679,000 | 51,142,000 | 49,489,000 | 50,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,800,000 | 92,458,000 | 92,983,000 | 94,605,000 |
| Interest-bearing deposits | 84,399,000 | 80,719,000 | 81,685,000 | 83,409,000 |
| Noninterest-bearing deposits | 10,401,000 | 11,739,000 | 11,298,000 | 11,196,000 |
| Equity capital | 14,778,000 | 15,454,000 | 15,335,000 | 14,414,000 |
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 | 1,251,000 | 2,533,000 | 3,807,000 | 5,117,000 |
| Interest expense | 401,000 | 834,000 | 1,289,000 | 1,766,000 |
| Net interest income | 850,000 | 1,699,000 | 2,518,000 | 3,351,000 |
| Noninterest income | 102,000 | 199,000 | 288,000 | 378,000 |
| Noninterest expense | 533,000 | 1,048,000 | 1,618,000 | 2,251,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 398,000 | 824,000 | 1,162,000 | 1,446,000 |
| Income tax | 90,000 | 192,000 | 263,000 | 311,000 |
| Net income | 308,000 | 632,000 | 899,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,016,000 | 15,344,000 | 15,489,000 | 14,728,000 |
| Total capital | 15,747,000 | 16,070,000 | 16,236,000 | 15,456,000 |
| Risk-weighted assets | 58,194,000 | 57,829,000 | 59,363,000 | 57,995,000 |