Call reports 2005
LIBERTY NATIONAL BANK — 2005
What LIBERTY NATIONAL 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 | 153,741,000 | 151,032,000 | 153,971,000 | 157,246,000 |
| Total loans | 114,919,000 | 114,734,000 | 117,466,000 | 117,643,000 |
| Allowance for loan losses | 1,183,000 | 1,181,000 | 1,162,000 | 1,142,000 |
| Securities available for sale | 25,329,000 | 26,350,000 | 25,212,000 | 26,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,889,000 | 126,123,000 | 130,487,000 | 133,581,000 |
| Interest-bearing deposits | 102,299,000 | 101,222,000 | 103,495,000 | 106,475,000 |
| Noninterest-bearing deposits | 28,590,000 | 24,901,000 | 26,992,000 | 27,106,000 |
| Equity capital | 16,125,000 | 16,292,000 | 16,663,000 | 16,533,000 |
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 | 2,055,000 | 4,118,000 | 6,327,000 | 8,643,000 |
| Interest expense | 437,000 | 913,000 | 1,484,000 | 2,145,000 |
| Net interest income | 1,618,000 | 3,205,000 | 4,843,000 | 6,498,000 |
| Noninterest income | 244,000 | 505,000 | 780,000 | 1,038,000 |
| Noninterest expense | 1,225,000 | 2,465,000 | 3,763,000 | 5,128,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 612,000 | 1,205,000 | 1,805,000 | 2,338,000 |
| Income tax | 151,000 | 288,000 | 436,000 | 560,000 |
| Net income | 461,000 | 917,000 | 1,369,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,597,000 | 15,710,000 | 16,156,000 | 15,854,000 |
| Total capital | 16,780,000 | 16,891,000 | 17,318,000 | 16,996,000 |
| Risk-weighted assets | 109,102,000 | 111,684,000 | 113,228,000 | 109,993,000 |