Call reports 2004
LIBERTYVILLE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2004
What LIBERTYVILLE BANK & TRUST COMPANY, NATIONAL ASSOCIATION 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 | 592,850,000 | 639,623,000 | 666,866,000 | 758,611,000 |
| Total loans | 458,544,000 | 473,550,000 | 497,925,000 | 566,876,000 |
| Allowance for loan losses | 3,551,000 | 3,461,000 | 3,458,000 | 4,113,000 |
| Securities available for sale | 75,186,000 | 106,957,000 | 90,534,000 | 137,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,632,000 | 526,293,000 | 552,347,000 | 602,764,000 |
| Interest-bearing deposits | 437,248,000 | 460,493,000 | 488,604,000 | 535,295,000 |
| Noninterest-bearing deposits | 54,384,000 | 65,800,000 | 63,743,000 | 67,469,000 |
| Equity capital | 54,820,000 | 54,624,000 | 59,722,000 | 69,636,000 |
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 | 7,135,000 | 14,191,000 | 22,162,000 | 30,843,000 |
| Interest expense | 2,540,000 | 5,110,000 | 7,926,000 | 11,090,000 |
| Net interest income | 4,595,000 | 9,081,000 | 14,236,000 | 19,753,000 |
| Noninterest income | 797,000 | 1,604,000 | 2,250,000 | 2,949,000 |
| Noninterest expense | 2,716,000 | 5,407,000 | 8,242,000 | 11,353,000 |
| Provision for loan losses | 268,000 | 410,000 | 501,000 | 601,000 |
| Pretax income | 2,613,000 | 5,073,000 | 8,111,000 | 11,074,000 |
| Income tax | 998,000 | 1,920,000 | 3,078,000 | 4,179,000 |
| Net income | 1,615,000 | 3,153,000 | 5,033,000 | 6,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,927,000 | 56,965,000 | 60,344,000 | 64,789,000 |
| Total capital | 58,478,000 | 60,426,000 | 63,802,000 | 68,902,000 |
| Risk-weighted assets | 549,955,000 | 569,797,000 | 597,203,000 | 669,344,000 |