Call reports 2004
LIBERTY BANK OF NEW YORK — 2004
What LIBERTY BANK OF NEW YORK 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 | 69,309,000 | 67,196,000 | 59,360,000 | 63,148,000 |
| Total loans | 33,073,000 | 31,316,000 | 28,757,000 | 28,014,000 |
| Allowance for loan losses | 826,000 | 644,000 | 623,000 | 700,000 |
| Securities available for sale | 24,523,000 | 19,080,000 | 19,750,000 | 24,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,709,000 | 57,834,000 | 50,007,000 | 53,835,000 |
| Interest-bearing deposits | 32,105,000 | 30,611,000 | 25,254,000 | 26,641,000 |
| Noninterest-bearing deposits | 27,604,000 | 27,223,000 | 24,753,000 | 27,194,000 |
| Equity capital | 9,322,000 | 9,098,000 | 9,173,000 | 9,075,000 |
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 | 810,000 | 1,545,000 | 2,265,000 | 2,990,000 |
| Interest expense | 120,000 | 223,000 | 313,000 | 394,000 |
| Net interest income | 690,000 | 1,322,000 | 1,952,000 | 2,596,000 |
| Noninterest income | 398,000 | 894,000 | 1,311,000 | 1,621,000 |
| Noninterest expense | 962,000 | 1,945,000 | 2,961,000 | 4,003,000 |
| Provision for loan losses | 40,000 | 100,000 | 120,000 | 120,000 |
| Pretax income | 80,000 | 172,000 | 183,000 | 95,000 |
| Income tax | 41,000 | 83,000 | 88,000 | 48,000 |
| Net income | 39,000 | 89,000 | 95,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,987,000 | 9,037,000 | 9,044,000 | 8,995,000 |
| Total capital | 9,521,000 | 9,540,000 | 9,505,000 | 9,462,000 |
| Risk-weighted assets | 42,399,000 | 40,084,000 | 36,713,000 | 37,113,000 |