Call reports 2006
LIBERTY BANK — 2006
What LIBERTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 611,028,000 | 631,067,000 | 651,295,000 | 677,355,000 |
| Total loans | 546,055,000 | 562,887,000 | 581,969,000 | 606,807,000 |
| Allowance for loan losses | 5,463,000 | 5,809,000 | 6,106,000 | 6,630,000 |
| Securities available for sale | 4,942,000 | 4,871,000 | 4,363,000 | 5,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,330,000 | 512,854,000 | 552,674,000 | 560,757,000 |
| Interest-bearing deposits | 421,263,000 | 480,094,000 | 522,832,000 | 529,881,000 |
| Noninterest-bearing deposits | 65,067,000 | 32,760,000 | 29,842,000 | 30,876,000 |
| Equity capital | 50,674,000 | 52,531,000 | 53,403,000 | 55,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,927,000 | 21,119,000 | 33,111,000 | 45,736,000 |
| Interest expense | 4,016,000 | 8,615,000 | 13,808,000 | 19,373,000 |
| Net interest income | 5,911,000 | 12,504,000 | 19,303,000 | 26,363,000 |
| Noninterest income | 1,811,000 | 3,049,000 | 4,586,000 | 6,199,000 |
| Noninterest expense | 4,588,000 | 9,254,000 | 14,029,000 | 19,159,000 |
| Provision for loan losses | 674,000 | 1,007,000 | 1,336,000 | 2,071,000 |
| Pretax income | 2,460,000 | 5,292,000 | 8,524,000 | 11,332,000 |
| Income tax | 850,000 | 1,828,000 | 2,941,000 | 3,904,000 |
| Net income | 1,610,000 | 3,464,000 | 5,583,000 | 7,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,824,000 | 49,678,000 | 50,550,000 | 52,392,000 |
| Total capital | 53,287,000 | 55,487,000 | 56,656,000 | 59,022,000 |
| Risk-weighted assets | 509,872,000 | 527,812,000 | 541,108,000 | 572,452,000 |