Call reports 2005
LIBERTYBANK — 2005
What LIBERTYBANK 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 | 609,540,000 | 677,731,000 | 682,216,000 | 722,001,000 |
| Total loans | 559,444,000 | 614,803,000 | 627,699,000 | 665,256,000 |
| Allowance for loan losses | 7,223,000 | 7,056,000 | 7,452,000 | 7,914,000 |
| Securities available for sale | 25,035,000 | 27,214,000 | 28,173,000 | 29,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,909,000 | 522,547,000 | 551,367,000 | 582,622,000 |
| Interest-bearing deposits | 404,144,000 | 466,835,000 | 484,440,000 | 523,398,000 |
| Noninterest-bearing deposits | 48,765,000 | 55,712,000 | 66,927,000 | 59,224,000 |
| Equity capital | 51,556,000 | 53,618,000 | 55,762,000 | 58,084,000 |
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 | 11,146,000 | 23,313,000 | 36,635,000 | 50,750,000 |
| Interest expense | 2,975,000 | 6,658,000 | 10,964,000 | 15,866,000 |
| Net interest income | 8,171,000 | 16,655,000 | 25,671,000 | 34,884,000 |
| Noninterest income | 805,000 | 1,705,000 | 2,654,000 | 3,537,000 |
| Noninterest expense | 5,006,000 | 10,029,000 | 15,445,000 | 20,784,000 |
| Provision for loan losses | 681,000 | 1,581,000 | 2,326,000 | 3,023,000 |
| Pretax income | 3,289,000 | 6,750,000 | 10,554,000 | 14,614,000 |
| Income tax | 1,282,000 | 2,629,000 | 4,072,000 | 5,596,000 |
| Net income | 2,007,000 | 4,121,000 | 6,482,000 | 9,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,720,000 | 53,715,000 | 55,956,000 | 58,372,000 |
| Total capital | 63,451,000 | 65,986,000 | 68,504,000 | 71,369,000 |
| Risk-weighted assets | 538,328,000 | 595,544,000 | 605,036,000 | 639,841,000 |
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