Call reports 2004
LIBERTY BANK — 2004
What LIBERTY BANK 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 | 136,198,000 | 141,935,000 | 137,381,000 | 154,752,000 |
| Total loans | 96,539,000 | 98,838,000 | 99,753,000 | 108,601,000 |
| Allowance for loan losses | 1,281,000 | 1,311,000 | 1,340,000 | 1,370,000 |
| Securities available for sale | 15,642,000 | 12,188,000 | 8,978,000 | 6,637,000 |
| Securities held to maturity | 9,304,000 | 16,839,000 | 21,668,000 | 19,603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,433,000 | 129,230,000 | 121,440,000 | 141,507,000 |
| Interest-bearing deposits | 99,213,000 | 99,917,000 | 94,001,000 | 114,294,000 |
| Noninterest-bearing deposits | 24,220,000 | 29,314,000 | 27,439,000 | 27,213,000 |
| Equity capital | 12,318,000 | 12,394,000 | 12,565,000 | 12,759,000 |
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 | 1,614,000 | 3,275,000 | 4,983,000 | 6,800,000 |
| Interest expense | 214,000 | 428,000 | 673,000 | 930,000 |
| Net interest income | 1,400,000 | 2,847,000 | 4,310,000 | 5,870,000 |
| Noninterest income | 124,000 | 241,000 | 357,000 | 490,000 |
| Noninterest expense | 1,146,000 | 2,327,000 | 3,514,000 | 4,775,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 347,000 | 700,000 | 1,062,000 | 1,464,000 |
| Income tax | 148,000 | 296,000 | 448,000 | 581,000 |
| Net income | 199,000 | 404,000 | 614,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,244,000 | 12,408,000 | 12,546,000 | 12,747,000 |
| Total capital | 13,525,000 | 13,719,000 | 13,886,000 | 14,117,000 |
| Risk-weighted assets | 127,380,000 | 133,739,000 | 137,351,000 | 139,375,000 |