Call reports 2004
LIBERTYBANK — 2004
What LIBERTYBANK 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 | 528,276,000 | 545,975,000 | 548,616,000 | 581,058,000 |
| Total loans | 475,504,000 | 490,442,000 | 505,327,000 | 536,187,000 |
| Allowance for loan losses | 5,669,000 | 6,006,000 | 6,271,000 | 6,675,000 |
| Securities available for sale | 20,695,000 | 20,213,000 | 20,423,000 | 21,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,061,000 | 393,223,000 | 403,364,000 | 426,491,000 |
| Interest-bearing deposits | 363,419,000 | 354,478,000 | 367,656,000 | 384,352,000 |
| Noninterest-bearing deposits | 31,642,000 | 38,745,000 | 35,708,000 | 42,139,000 |
| Equity capital | 44,520,000 | 46,214,000 | 47,954,000 | 49,810,000 |
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 | 9,734,000 | 19,627,000 | 29,559,000 | 39,923,000 |
| Interest expense | 2,506,000 | 4,945,000 | 7,441,000 | 10,063,000 |
| Net interest income | 7,228,000 | 14,682,000 | 22,118,000 | 29,860,000 |
| Noninterest income | 666,000 | 1,465,000 | 2,272,000 | 3,114,000 |
| Noninterest expense | 4,404,000 | 8,917,000 | 13,735,000 | 18,368,000 |
| Provision for loan losses | 641,000 | 1,297,000 | 1,863,000 | 2,467,000 |
| Pretax income | 2,864,000 | 5,958,000 | 8,815,000 | 12,162,000 |
| Income tax | 1,117,000 | 2,231,000 | 3,391,000 | 4,696,000 |
| Net income | 1,747,000 | 3,727,000 | 5,424,000 | 7,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,344,000 | 46,268,000 | 47,909,000 | 49,831,000 |
| Total capital | 54,903,000 | 57,088,000 | 58,886,000 | 61,245,000 |
| Risk-weighted assets | 444,647,000 | 465,408,000 | 478,012,000 | 512,850,000 |
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