Call reports 2005
LIBERTY BANK OF NEW YORK — 2005
What LIBERTY BANK OF NEW YORK 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 | 58,775,000 | 55,704,000 | 52,124,000 | 58,042,000 |
| Total loans | 26,546,000 | 30,014,000 | 28,028,000 | 29,204,000 |
| Allowance for loan losses | 704,000 | 708,000 | 668,000 | 667,000 |
| Securities available for sale | 23,362,000 | 18,100,000 | 16,397,000 | 15,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,636,000 | 46,459,000 | 42,755,000 | 48,780,000 |
| Interest-bearing deposits | 25,004,000 | 23,933,000 | 22,481,000 | 28,385,000 |
| Noninterest-bearing deposits | 24,632,000 | 22,526,000 | 20,274,000 | 20,395,000 |
| Equity capital | 8,802,000 | 8,973,000 | 9,067,000 | 8,997,000 |
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 | 769,000 | 1,549,000 | 2,383,000 | 3,230,000 |
| Interest expense | 99,000 | 193,000 | 288,000 | 441,000 |
| Net interest income | 670,000 | 1,356,000 | 2,095,000 | 2,789,000 |
| Noninterest income | 268,000 | 580,000 | 869,000 | 1,116,000 |
| Noninterest expense | 973,000 | 1,919,000 | 2,637,000 | 3,534,000 |
| Provision for loan losses | 0 | 0 | 0 | 55,000 |
| Pretax income | -35,000 | 25,000 | 319,000 | 308,000 |
| Income tax | -18,000 | 10,000 | 141,000 | 136,000 |
| Net income | -17,000 | 15,000 | 178,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,978,000 | 9,010,000 | 9,173,000 | 9,167,000 |
| Total capital | 9,422,000 | 9,479,000 | 9,610,000 | 9,633,000 |
| Risk-weighted assets | 35,251,000 | 37,241,000 | 34,684,000 | 37,063,000 |