Call reports 2006
LIBERTYBANK — 2006
What LIBERTYBANK 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 | 761,166,000 | 804,119,000 | 841,705,000 | 893,578,000 |
| Total loans | 699,637,000 | 733,337,000 | 776,617,000 | 817,037,000 |
| Allowance for loan losses | 8,377,000 | 8,800,000 | 9,206,000 | 9,761,000 |
| Securities available for sale | 31,857,000 | 32,800,000 | 34,161,000 | 33,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,386,000 | 650,546,000 | 653,608,000 | 710,524,000 |
| Interest-bearing deposits | 552,432,000 | 581,365,000 | 590,779,000 | 644,165,000 |
| Noninterest-bearing deposits | 64,954,000 | 69,181,000 | 62,829,000 | 66,359,000 |
| Equity capital | 60,348,000 | 63,131,000 | 66,378,000 | 69,628,000 |
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 | 15,089,000 | 31,891,000 | 49,739,000 | 69,022,000 |
| Interest expense | 5,595,000 | 12,181,000 | 19,580,000 | 28,089,000 |
| Net interest income | 9,494,000 | 19,710,000 | 30,159,000 | 40,933,000 |
| Noninterest income | 921,000 | 1,897,000 | 2,910,000 | 3,936,000 |
| Noninterest expense | 5,816,000 | 11,476,000 | 17,419,000 | 23,157,000 |
| Provision for loan losses | 676,000 | 1,328,000 | 2,046,000 | 2,893,000 |
| Pretax income | 3,923,000 | 8,803,000 | 13,604,000 | 18,819,000 |
| Income tax | 1,491,000 | 3,341,000 | 5,137,000 | 7,170,000 |
| Net income | 2,432,000 | 5,462,000 | 8,467,000 | 11,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,685,000 | 63,595,000 | 66,600,000 | 69,782,000 |
| Total capital | 74,181,000 | 77,587,000 | 81,036,000 | 84,773,000 |
| Risk-weighted assets | 679,530,000 | 719,337,000 | 762,469,000 | 804,443,000 |