Call reports 2006
LIBERTY BANK — 2006
What LIBERTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 165,695,000 | 162,127,000 | 176,976,000 | 163,413,000 |
| Total loans | 114,544,000 | 114,639,000 | 114,081,000 | 125,688,000 |
| Allowance for loan losses | 1,589,000 | 1,630,000 | 1,675,000 | 1,720,000 |
| Securities available for sale | 10,712,000 | 8,725,000 | 1,817,000 | 795,000 |
| Securities held to maturity | 28,562,000 | 25,042,000 | 51,698,000 | 23,536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,165,000 | 145,674,000 | 142,996,000 | 145,018,000 |
| Interest-bearing deposits | 109,286,000 | 114,290,000 | 112,256,000 | 113,852,000 |
| Noninterest-bearing deposits | 36,878,000 | 31,384,000 | 30,740,000 | 31,166,000 |
| Equity capital | 15,584,000 | 16,011,000 | 16,432,000 | 16,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,892,000 | 5,891,000 | 9,131,000 | 12,394,000 |
| Interest expense | 558,000 | 1,227,000 | 2,218,000 | 3,314,000 |
| Net interest income | 2,334,000 | 4,664,000 | 6,913,000 | 9,080,000 |
| Noninterest income | 127,000 | 257,000 | 392,000 | 525,000 |
| Noninterest expense | 1,376,000 | 2,820,000 | 4,313,000 | 5,839,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,040,000 | 2,011,000 | 2,857,000 | 3,586,000 |
| Income tax | 439,000 | 851,000 | 1,203,000 | 1,457,000 |
| Net income | 601,000 | 1,160,000 | 1,654,000 | 2,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,607,000 | 16,037,000 | 16,441,000 | 16,831,000 |
| Total capital | 17,196,000 | 17,667,000 | 18,116,000 | 18,551,000 |
| Risk-weighted assets | 161,597,000 | 159,873,000 | 177,540,000 | 164,023,000 |