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 | 161,522,000 | 174,213,000 | 189,142,000 | 163,721,000 |
| Total loans | 112,589,000 | 113,409,000 | 115,609,000 | 123,105,000 |
| Allowance for loan losses | 1,409,000 | 1,454,000 | 1,495,000 | 1,541,000 |
| Securities available for sale | 3,890,000 | 1,785,000 | 1,551,000 | 5,349,000 |
| Securities held to maturity | 33,903,000 | 25,922,000 | 27,959,000 | 26,153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,312,000 | 159,663,000 | 174,108,000 | 148,191,000 |
| Interest-bearing deposits | 122,423,000 | 128,026,000 | 127,001,000 | 113,717,000 |
| Noninterest-bearing deposits | 25,889,000 | 31,637,000 | 47,107,000 | 34,474,000 |
| Equity capital | 12,902,000 | 13,203,000 | 14,581,000 | 15,096,000 |
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 | 2,062,000 | 4,277,000 | 6,857,000 | 9,664,000 |
| Interest expense | 399,000 | 815,000 | 1,330,000 | 1,884,000 |
| Net interest income | 1,663,000 | 3,462,000 | 5,527,000 | 7,780,000 |
| Noninterest income | 125,000 | 241,000 | 344,000 | 456,000 |
| Noninterest expense | 1,319,000 | 2,617,000 | 3,966,000 | 5,257,000 |
| Provision for loan losses | 40,000 | 85,000 | 130,000 | 175,000 |
| Pretax income | 429,000 | 1,001,000 | 1,775,000 | 2,804,000 |
| Income tax | 175,000 | 407,000 | 722,000 | 1,128,000 |
| Net income | 254,000 | 594,000 | 1,053,000 | 1,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,921,000 | 13,200,000 | 14,584,000 | 15,111,000 |
| Total capital | 14,330,000 | 15,654,000 | 16,079,000 | 16,652,000 |
| Risk-weighted assets | 156,948,000 | 150,546,000 | 154,268,000 | 162,261,000 |