Call reports 2005
LIBERTY BANK — 2005
What LIBERTY 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 | 501,210,000 | 519,324,000 | 553,487,000 | 591,795,000 |
| Total loans | 455,009,000 | 471,348,000 | 498,795,000 | 526,615,000 |
| Allowance for loan losses | 4,637,000 | 4,876,000 | 5,079,000 | 5,265,000 |
| Securities available for sale | 3,996,000 | 4,004,000 | 3,781,000 | 3,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,640,000 | 399,850,000 | 430,845,000 | 460,065,000 |
| Interest-bearing deposits | 313,555,000 | 333,229,000 | 404,236,000 | 433,521,000 |
| Noninterest-bearing deposits | 61,085,000 | 66,621,000 | 26,609,000 | 26,544,000 |
| Equity capital | 44,300,000 | 45,935,000 | 47,575,000 | 49,064,000 |
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 | 6,638,000 | 13,969,000 | 22,206,000 | 31,410,000 |
| Interest expense | 2,028,000 | 4,465,000 | 7,499,000 | 11,060,000 |
| Net interest income | 4,610,000 | 9,504,000 | 14,707,000 | 20,350,000 |
| Noninterest income | 987,000 | 2,100,000 | 3,287,000 | 4,523,000 |
| Noninterest expense | 3,100,000 | 6,266,000 | 9,910,000 | 14,226,000 |
| Provision for loan losses | 257,000 | 550,000 | 819,000 | 1,131,000 |
| Pretax income | 2,240,000 | 4,788,000 | 7,265,000 | 9,516,000 |
| Income tax | 806,000 | 1,721,000 | 2,557,000 | 3,319,000 |
| Net income | 1,434,000 | 3,067,000 | 4,708,000 | 6,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,452,000 | 43,086,000 | 44,725,000 | 46,214,000 |
| Total capital | 46,089,000 | 47,962,000 | 49,804,000 | 51,479,000 |
| Risk-weighted assets | 409,042,000 | 424,970,000 | 452,756,000 | 493,570,000 |