Call reports 2006
FIRST LIBERTY BANK — 2006
What FIRST 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 | 4,596,000 | 4,390,000 | 5,969,000 | 21,303,000 |
| Total loans | 1,582,000 | 1,617,000 | 1,638,000 | 4,838,000 |
| Allowance for loan losses | 35,000 | 35,000 | 35,000 | 42,000 |
| Securities available for sale | 2,394,000 | 2,039,000 | 1,375,000 | 2,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,560,000 | 3,500,000 | 4,379,000 | 9,724,000 |
| Interest-bearing deposits | 3,195,000 | 3,105,000 | 4,033,000 | 7,372,000 |
| Noninterest-bearing deposits | 365,000 | 395,000 | 346,000 | 2,352,000 |
| Equity capital | 880,000 | 883,000 | 1,580,000 | 11,450,000 |
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 | 66,000 | 128,000 | 14,000 | 312,000 |
| Interest expense | 17,000 | 32,000 | 4,000 | 69,000 |
| Net interest income | 49,000 | 96,000 | 10,000 | 243,000 |
| Noninterest income | 3,000 | 7,000 | 1,000 | 7,000 |
| Noninterest expense | 37,000 | 68,000 | 5,000 | 423,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 14,000 | 25,000 | 6,000 | -180,000 |
| Income tax | 0 | 1,000 | 0 | 0 |
| Net income | 14,000 | 24,000 | 6,000 | -180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 958,000 | 968,000 | 924,000 | 10,818,000 |
| Total capital | 987,000 | 999,000 | 959,000 | 10,860,000 |
| Risk-weighted assets | 2,307,000 | 2,497,000 | 3,104,000 | 10,926,000 |