Call reports 2004
LIBERTY BANK — 2004
What LIBERTY BANK 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 | 2,127,447,000 | 2,183,965,000 | 2,171,989,000 | 2,223,899,000 |
| Total loans | 1,672,398,000 | 1,705,570,000 | 1,745,685,000 | 1,819,094,000 |
| Allowance for loan losses | 25,166,000 | 25,151,000 | 24,720,000 | 24,526,000 |
| Securities available for sale | 343,918,000 | 332,982,000 | 320,356,000 | 312,120,000 |
| Securities held to maturity | 730,000 | 705,000 | 805,000 | 755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,739,883,000 | 1,794,214,000 | 1,772,328,000 | 1,771,131,000 |
| Interest-bearing deposits | 1,656,242,000 | 1,704,481,000 | 1,682,834,000 | 1,673,727,000 |
| Noninterest-bearing deposits | 83,641,000 | 89,733,000 | 89,494,000 | 97,404,000 |
| Equity capital | 304,180,000 | 310,587,000 | 318,882,000 | 332,572,000 |
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 | 25,405,000 | 51,608,000 | 79,196,000 | 107,285,000 |
| Interest expense | 6,613,000 | 13,400,000 | 20,093,000 | 26,933,000 |
| Net interest income | 18,792,000 | 38,208,000 | 59,103,000 | 80,352,000 |
| Noninterest income | 4,089,000 | 8,177,000 | 12,332,000 | 16,396,000 |
| Noninterest expense | 13,500,000 | 26,803,000 | 40,267,000 | 53,816,000 |
| Provision for loan losses | 0 | 0 | -170,000 | -170,000 |
| Pretax income | 10,328,000 | 23,896,000 | 35,966,000 | 47,869,000 |
| Income tax | 3,403,000 | 8,026,000 | 12,049,000 | 16,036,000 |
| Net income | 6,925,000 | 15,870,000 | 23,917,000 | 31,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 283,953,000 | 292,976,000 | 301,102,000 | 309,015,000 |
| Total capital | 315,096,000 | 323,825,000 | 331,474,000 | 344,442,000 |
| Risk-weighted assets | 1,701,794,000 | 1,706,075,000 | 1,728,928,000 | 1,810,602,000 |
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