Call reports 2003
LIBERTYVILLE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2003
What LIBERTYVILLE BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 505,473,000 | 540,577,000 | 573,642,000 | 587,018,000 |
| Total loans | 374,515,000 | 400,408,000 | 417,150,000 | 437,734,000 |
| Allowance for loan losses | 2,691,000 | 2,967,000 | 3,163,000 | 3,299,000 |
| Securities available for sale | 55,405,000 | 55,938,000 | 86,605,000 | 92,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 422,573,000 | 459,228,000 | 487,398,000 | 497,284,000 |
| Interest-bearing deposits | 382,705,000 | 413,018,000 | 437,894,000 | 438,395,000 |
| Noninterest-bearing deposits | 39,868,000 | 46,210,000 | 49,504,000 | 58,889,000 |
| Equity capital | 43,423,000 | 46,696,000 | 47,674,000 | 50,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,182,000 | 12,449,000 | 18,868,000 | 25,598,000 |
| Interest expense | 2,559,000 | 5,112,000 | 7,625,000 | 10,166,000 |
| Net interest income | 3,623,000 | 7,337,000 | 11,243,000 | 15,432,000 |
| Noninterest income | 1,168,000 | 2,053,000 | 2,958,000 | 3,569,000 |
| Noninterest expense | 2,349,000 | 4,694,000 | 7,223,000 | 9,629,000 |
| Provision for loan losses | 303,000 | 615,000 | 936,000 | 1,226,000 |
| Pretax income | 2,199,000 | 4,169,000 | 6,118,000 | 8,224,000 |
| Income tax | 817,000 | 1,544,000 | 2,273,000 | 3,065,000 |
| Net income | 1,382,000 | 2,625,000 | 3,845,000 | 5,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,325,000 | 46,569,000 | 48,284,000 | 51,597,000 |
| Total capital | 46,016,000 | 49,536,000 | 51,447,000 | 54,896,000 |
| Risk-weighted assets | 439,020,000 | 464,532,000 | 485,159,000 | 500,619,000 |