Call reports 2005
LIBERTY BANK — 2005
What LIBERTY BANK 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 | 2,222,586,000 | 2,309,387,000 | 2,285,892,000 | 2,339,522,000 |
| Total loans | 1,794,363,000 | 1,805,284,000 | 1,845,918,000 | 1,903,632,000 |
| Allowance for loan losses | 24,739,000 | 24,946,000 | 24,887,000 | 24,674,000 |
| Securities available for sale | 302,772,000 | 331,836,000 | 333,799,000 | 343,212,000 |
| Securities held to maturity | 755,000 | 755,000 | 805,000 | 780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,793,924,000 | 1,876,044,000 | 1,841,606,000 | 1,834,715,000 |
| Interest-bearing deposits | 1,700,312,000 | 1,778,566,000 | 1,753,702,000 | 1,739,002,000 |
| Noninterest-bearing deposits | 93,612,000 | 97,478,000 | 87,904,000 | 95,713,000 |
| Equity capital | 340,393,000 | 348,825,000 | 357,928,000 | 366,119,000 |
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 | 28,263,000 | 57,707,000 | 88,308,000 | 119,793,000 |
| Interest expense | 6,957,000 | 14,842,000 | 23,493,000 | 32,662,000 |
| Net interest income | 21,306,000 | 42,865,000 | 64,815,000 | 87,131,000 |
| Noninterest income | 4,200,000 | 8,357,000 | 12,570,000 | 17,002,000 |
| Noninterest expense | 14,019,000 | 28,270,000 | 42,284,000 | 60,348,000 |
| Provision for loan losses | 250,000 | 500,000 | 500,000 | 500,000 |
| Pretax income | 13,915,000 | 26,210,000 | 39,948,000 | 49,747,000 |
| Income tax | 4,738,000 | 8,958,000 | 13,697,000 | 17,077,000 |
| Net income | 9,177,000 | 17,252,000 | 26,251,000 | 32,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 318,316,000 | 326,454,000 | 335,516,000 | 342,091,000 |
| Total capital | 352,981,000 | 361,167,000 | 371,219,000 | 380,435,000 |
| Risk-weighted assets | 1,791,279,000 | 1,807,493,000 | 1,846,638,000 | 1,919,575,000 |
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