Call reports 2006
LIBERTY BANK AND TRUST COMPANY — 2006
What LIBERTY BANK AND TRUST COMPANY 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 | 321,742,000 | 336,391,000 | 315,686,000 | 289,672,000 |
| Total loans | 136,017,000 | 132,304,000 | 134,030,000 | 130,156,000 |
| Allowance for loan losses | 4,584,000 | 2,936,000 | 2,948,000 | 3,053,000 |
| Securities available for sale | 123,978,000 | 132,815,000 | 136,156,000 | 128,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,110,000 | 308,137,000 | 283,455,000 | 246,943,000 |
| Interest-bearing deposits | 203,619,000 | 225,723,000 | 178,807,000 | 167,107,000 |
| Noninterest-bearing deposits | 89,491,000 | 82,414,000 | 104,648,000 | 79,836,000 |
| Equity capital | 18,326,000 | 18,072,000 | 20,684,000 | 22,696,000 |
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 | 4,528,000 | 9,254,000 | 13,945,000 | 18,716,000 |
| Interest expense | 1,077,000 | 2,086,000 | 3,029,000 | 4,199,000 |
| Net interest income | 3,451,000 | 7,168,000 | 10,916,000 | 14,517,000 |
| Noninterest income | 631,000 | 1,087,000 | 1,501,000 | 3,360,000 |
| Noninterest expense | 2,606,000 | 5,369,000 | 8,166,000 | 9,468,000 |
| Provision for loan losses | 410,000 | 710,000 | 1,010,000 | 2,442,000 |
| Pretax income | 1,066,000 | 2,176,000 | 3,241,000 | 5,793,000 |
| Income tax | 200,000 | 200,000 | 785,000 | 2,275,000 |
| Net income | 866,000 | 1,976,000 | 2,456,000 | 3,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,723,000 | 21,783,000 | 22,171,000 | 24,043,000 |
| Total capital | 22,823,000 | 23,849,000 | 24,149,000 | 25,974,000 |
| Risk-weighted assets | 165,503,000 | 164,449,000 | 157,543,000 | 153,366,000 |
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