Call reports 2004
LIBERTYVILLE SAVINGS BANK — 2004
What LIBERTYVILLE SAVINGS 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 | 113,113,000 | 112,396,000 | 111,369,000 | 116,581,000 |
| Total loans | 75,648,000 | 77,175,000 | 79,805,000 | 79,066,000 |
| Allowance for loan losses | 859,000 | 1,001,000 | 1,017,000 | 900,000 |
| Securities available for sale | 25,451,000 | 25,021,000 | 26,066,000 | 24,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,122,000 | 91,490,000 | 87,748,000 | 94,886,000 |
| Interest-bearing deposits | 82,449,000 | 82,544,000 | 79,333,000 | 83,201,000 |
| Noninterest-bearing deposits | 9,673,000 | 8,946,000 | 8,415,000 | 11,685,000 |
| Equity capital | 12,445,000 | 12,422,000 | 13,084,000 | 13,280,000 |
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 | 1,547,000 | 3,055,000 | 4,653,000 | 6,275,000 |
| Interest expense | 523,000 | 1,034,000 | 1,538,000 | 2,060,000 |
| Net interest income | 1,024,000 | 2,021,000 | 3,115,000 | 4,215,000 |
| Noninterest income | 115,000 | 234,000 | 368,000 | 523,000 |
| Noninterest expense | 652,000 | 1,254,000 | 1,920,000 | 2,625,000 |
| Provision for loan losses | 0 | 151,000 | 156,000 | 383,000 |
| Pretax income | 567,000 | 898,000 | 1,455,000 | 1,771,000 |
| Income tax | 29,000 | 45,000 | 73,000 | 88,000 |
| Net income | 538,000 | 853,000 | 1,382,000 | 1,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,845,000 | 12,461,000 | 12,716,000 | 12,974,000 |
| Total capital | 12,704,000 | 13,433,000 | 13,722,000 | 13,874,000 |
| Risk-weighted assets | 76,290,000 | 77,770,000 | 80,442,000 | 80,758,000 |
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