Call reports 2004
LIBERTY BANK AND TRUST COMPANY — 2004
What LIBERTY BANK AND TRUST COMPANY 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 | 329,748,000 | 336,126,000 | 343,935,000 | 348,075,000 |
| Total loans | 113,879,000 | 119,027,000 | 120,080,000 | 127,730,000 |
| Allowance for loan losses | 1,930,000 | 1,980,000 | 1,902,000 | 2,322,000 |
| Securities available for sale | 169,147,000 | 175,485,000 | 175,926,000 | 189,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,996,000 | 306,268,000 | 312,998,000 | 300,042,000 |
| Interest-bearing deposits | 240,558,000 | 236,659,000 | 238,949,000 | 239,218,000 |
| Noninterest-bearing deposits | 56,438,000 | 69,609,000 | 74,049,000 | 60,824,000 |
| Equity capital | 24,114,000 | 21,091,000 | 22,618,000 | 22,870,000 |
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 | 4,037,000 | 8,288,000 | 12,953,000 | 17,519,000 |
| Interest expense | 904,000 | 1,889,000 | 3,055,000 | 4,331,000 |
| Net interest income | 3,133,000 | 6,399,000 | 9,898,000 | 13,188,000 |
| Noninterest income | 955,000 | 1,916,000 | 2,864,000 | 4,271,000 |
| Noninterest expense | 3,207,000 | 6,413,000 | 9,836,000 | 13,848,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 982,000 |
| Pretax income | 726,000 | 1,636,000 | 2,541,000 | 2,580,000 |
| Income tax | 120,000 | 330,000 | 546,000 | 700,000 |
| Net income | 606,000 | 1,306,000 | 1,995,000 | 1,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,920,000 | 23,429,000 | 23,994,000 | 23,263,000 |
| Total capital | 24,783,000 | 25,409,000 | 25,896,000 | 25,326,000 |
| Risk-weighted assets | 149,007,000 | 158,787,000 | 157,582,000 | 164,808,000 |
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