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 | 456,062,000 | 457,604,000 | 476,039,000 | 479,109,000 |
| Total loans | 404,435,000 | 413,267,000 | 431,955,000 | 440,740,000 |
| Allowance for loan losses | 4,182,000 | 4,255,000 | 4,418,000 | 4,479,000 |
| Securities available for sale | 16,041,000 | 5,491,000 | 4,032,000 | 7,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,388,000 | 355,434,000 | 358,673,000 | 380,892,000 |
| Interest-bearing deposits | 346,236,000 | 334,644,000 | 333,180,000 | 326,639,000 |
| Noninterest-bearing deposits | 20,152,000 | 20,790,000 | 25,493,000 | 54,253,000 |
| Equity capital | 38,818,000 | 40,090,000 | 41,352,000 | 42,866,000 |
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 | 5,435,000 | 10,925,000 | 16,769,000 | 23,138,000 |
| Interest expense | 1,764,000 | 3,464,000 | 5,182,000 | 7,001,000 |
| Net interest income | 3,671,000 | 7,461,000 | 11,587,000 | 16,137,000 |
| Noninterest income | 849,000 | 1,872,000 | 2,865,000 | 3,943,000 |
| Noninterest expense | 2,532,000 | 5,239,000 | 8,134,000 | 11,052,000 |
| Provision for loan losses | 247,000 | 509,000 | 779,000 | 1,053,000 |
| Pretax income | 1,752,000 | 3,596,000 | 5,550,000 | 7,986,000 |
| Income tax | 620,000 | 1,179,000 | 1,880,000 | 2,802,000 |
| Net income | 1,132,000 | 2,417,000 | 3,670,000 | 5,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,964,000 | 37,250,000 | 38,503,000 | 40,017,000 |
| Total capital | 40,146,000 | 41,505,000 | 42,921,000 | 44,496,000 |
| Risk-weighted assets | 366,366,000 | 370,872,000 | 386,045,000 | 392,206,000 |