Call reports 2006
LIBERTY TRUST & SAVINGS BANK — 2006
What LIBERTY TRUST & SAVINGS 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 | 106,908,000 | 105,351,000 | 104,529,000 | 106,719,000 |
| Total loans | 50,649,000 | 51,762,000 | 50,831,000 | 50,406,000 |
| Allowance for loan losses | 938,000 | 946,000 | 948,000 | 948,000 |
| Securities available for sale | 47,146,000 | 44,885,000 | 44,681,000 | 46,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,850,000 | 90,200,000 | 88,656,000 | 90,740,000 |
| Interest-bearing deposits | 81,759,000 | 78,691,000 | 78,169,000 | 79,696,000 |
| Noninterest-bearing deposits | 10,091,000 | 11,509,000 | 10,487,000 | 11,044,000 |
| Equity capital | 14,073,000 | 14,146,000 | 14,761,000 | 15,085,000 |
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 | 1,294,000 | 2,629,000 | 4,007,000 | 5,418,000 |
| Interest expense | 483,000 | 978,000 | 1,495,000 | 2,036,000 |
| Net interest income | 811,000 | 1,651,000 | 2,512,000 | 3,382,000 |
| Noninterest income | 98,000 | 199,000 | 290,000 | 424,000 |
| Noninterest expense | 559,000 | 1,123,000 | 1,722,000 | 2,370,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 325,000 | 645,000 | 998,000 | 1,332,000 |
| Income tax | 61,000 | 117,000 | 183,000 | 238,000 |
| Net income | 264,000 | 528,000 | 815,000 | 1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,439,000 | 14,708,000 | 14,871,000 | 15,154,000 |
| Total capital | 15,185,000 | 15,480,000 | 15,638,000 | 15,919,000 |
| Risk-weighted assets | 59,522,000 | 61,619,000 | 61,178,000 | 61,049,000 |