Call reports 2005
LIBERTY NATIONAL BANK — 2005
What LIBERTY NATIONAL 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 | 66,102,000 | 62,706,000 | 67,222,000 | 78,300,000 |
| Total loans | 54,650,000 | 56,734,000 | 59,909,000 | 58,483,000 |
| Allowance for loan losses | 666,000 | 693,000 | 780,000 | 787,000 |
| Securities available for sale | 3,681,000 | 0 | 0 | 3,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,115,000 | 48,359,000 | 50,326,000 | 63,370,000 |
| Interest-bearing deposits | 38,606,000 | 37,783,000 | 42,726,000 | 55,079,000 |
| Noninterest-bearing deposits | 5,509,000 | 10,576,000 | 7,600,000 | 8,291,000 |
| Equity capital | 12,791,000 | 12,846,000 | 12,673,000 | 12,346,000 |
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 | 829,000 | 1,676,000 | 2,615,000 | 3,693,000 |
| Interest expense | 267,000 | 555,000 | 892,000 | 1,329,000 |
| Net interest income | 562,000 | 1,121,000 | 1,723,000 | 2,364,000 |
| Noninterest income | 70,000 | 119,000 | 163,000 | 190,000 |
| Noninterest expense | 428,000 | 898,000 | 1,583,000 | 2,600,000 |
| Provision for loan losses | 30,000 | 60,000 | 158,000 | 247,000 |
| Pretax income | 168,000 | 268,000 | 131,000 | -307,000 |
| Income tax | 0 | 45,000 | 81,000 | -29,000 |
| Net income | 168,000 | 223,000 | 50,000 | -278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,338,000 | 11,445,000 | 11,317,000 | 10,839,000 |
| Total capital | 12,004,000 | 12,138,000 | 12,097,000 | 11,626,000 |
| Risk-weighted assets | 71,675,000 | 68,027,000 | 72,812,000 | 84,960,000 |