Call reports 2005
FIRST LIBERTY BANK — 2005
What FIRST 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 | 27,067,000 | 26,682,000 | 25,656,000 | 26,119,000 |
| Total loans | 3,720,000 | 4,029,000 | 4,373,000 | 6,695,000 |
| Allowance for loan losses | 160,000 | 160,000 | 160,000 | 160,000 |
| Securities available for sale | 19,597,000 | 19,750,000 | 19,110,000 | 17,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,767,000 | 16,306,000 | 15,864,000 | 16,458,000 |
| Interest-bearing deposits | 12,502,000 | 12,386,000 | 12,176,000 | 11,991,000 |
| Noninterest-bearing deposits | 4,265,000 | 3,920,000 | 3,688,000 | 4,467,000 |
| Equity capital | 5,265,000 | 5,336,000 | 4,753,000 | 4,617,000 |
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 | 278,000 | 562,000 | 847,000 | 1,148,000 |
| Interest expense | 75,000 | 153,000 | 239,000 | 327,000 |
| Net interest income | 203,000 | 409,000 | 608,000 | 821,000 |
| Noninterest income | 36,000 | 67,000 | 96,000 | 125,000 |
| Noninterest expense | 94,000 | 201,000 | 326,000 | 472,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 145,000 | 275,000 | 378,000 | 474,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 145,000 | 275,000 | 378,000 | 474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,555,000 | 5,393,000 | 4,896,000 | 4,992,000 |
| Total capital | 5,671,000 | 5,511,000 | 5,012,000 | 5,152,000 |
| Risk-weighted assets | 9,274,000 | 9,387,000 | 9,277,000 | 14,438,000 |