Call reports 2004
FIRST LIBERTY BANK — 2004
What FIRST 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 | 27,787,000 | 26,444,000 | 26,469,000 | 25,681,000 |
| Total loans | 3,874,000 | 2,883,000 | 2,366,000 | 4,086,000 |
| Allowance for loan losses | 160,000 | 160,000 | 160,000 | 160,000 |
| Securities available for sale | 20,564,000 | 20,370,000 | 20,802,000 | 20,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,719,000 | 16,108,000 | 16,043,000 | 15,231,000 |
| Interest-bearing deposits | 12,667,000 | 12,527,000 | 12,231,000 | 11,349,000 |
| Noninterest-bearing deposits | 4,052,000 | 3,581,000 | 3,812,000 | 3,882,000 |
| Equity capital | 6,035,000 | 5,302,000 | 5,392,000 | 5,415,000 |
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 | 265,000 | 518,000 | 781,000 | 1,046,000 |
| Interest expense | 70,000 | 138,000 | 207,000 | 275,000 |
| Net interest income | 195,000 | 380,000 | 574,000 | 771,000 |
| Noninterest income | 28,000 | 67,000 | 96,000 | 123,000 |
| Noninterest expense | 90,000 | 173,000 | 250,000 | 345,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 133,000 | 274,000 | 420,000 | 549,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 133,000 | 274,000 | 420,000 | 549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,747,000 | 5,689,000 | 5,280,000 | 5,410,000 |
| Total capital | 5,864,000 | 5,795,000 | 5,380,000 | 5,525,000 |
| Risk-weighted assets | 9,349,000 | 8,425,000 | 7,932,000 | 9,194,000 |