Call reports 2003
LIBERTY BANK, NATIONAL ASSOCIATION — 2003
What LIBERTY BANK, 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 | 48,290,000 | 52,080,000 | 52,915,000 | 56,103,000 |
| Total loans | 40,139,000 | 39,569,000 | 41,993,000 | 45,882,000 |
| Allowance for loan losses | 415,000 | 433,000 | 433,000 | 829,000 |
| Securities available for sale | 3,956,000 | 4,398,000 | 5,665,000 | 7,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,332,000 | 41,561,000 | 42,345,000 | 45,523,000 |
| Interest-bearing deposits | 30,521,000 | 33,901,000 | 33,577,000 | 37,675,000 |
| Noninterest-bearing deposits | 6,811,000 | 7,660,000 | 8,768,000 | 7,848,000 |
| Equity capital | 7,308,000 | 7,366,000 | 7,370,000 | 6,934,000 |
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 | 666,000 | 1,351,000 | 2,014,000 | 2,717,000 |
| Interest expense | 201,000 | 409,000 | 605,000 | 805,000 |
| Net interest income | 465,000 | 942,000 | 1,409,000 | 1,912,000 |
| Noninterest income | 52,000 | 118,000 | 182,000 | 242,000 |
| Noninterest expense | 429,000 | 890,000 | 1,363,000 | 2,221,000 |
| Provision for loan losses | 20,000 | 40,000 | 40,000 | 448,000 |
| Pretax income | 68,000 | 130,000 | 188,000 | -515,000 |
| Income tax | 23,000 | 44,000 | 63,000 | -194,000 |
| Net income | 45,000 | 86,000 | 125,000 | -321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,282,000 | 7,322,000 | 7,361,000 | 6,915,000 |
| Total capital | 7,697,000 | 7,755,000 | 7,794,000 | 7,502,000 |
| Risk-weighted assets | 40,815,000 | 40,972,000 | 43,849,000 | 46,719,000 |
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