Call reports 2003
LIBERTYBANK — 2003
What LIBERTYBANK 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 | 484,652,000 | 493,065,000 | 512,501,000 | 528,315,000 |
| Total loans | 438,058,000 | 452,652,000 | 463,153,000 | 474,347,000 |
| Allowance for loan losses | 4,557,000 | 4,952,000 | 5,198,000 | 5,507,000 |
| Securities available for sale | 21,992,000 | 18,147,000 | 21,589,000 | 21,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,924,000 | 373,450,000 | 384,313,000 | 378,239,000 |
| Interest-bearing deposits | 337,074,000 | 345,104,000 | 345,712,000 | 346,950,000 |
| Noninterest-bearing deposits | 22,850,000 | 28,346,000 | 38,601,000 | 31,289,000 |
| Equity capital | 38,073,000 | 39,550,000 | 41,086,000 | 42,777,000 |
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 | 9,415,000 | 19,102,000 | 28,888,000 | 38,675,000 |
| Interest expense | 3,039,000 | 5,958,000 | 8,702,000 | 11,306,000 |
| Net interest income | 6,376,000 | 13,144,000 | 20,186,000 | 27,369,000 |
| Noninterest income | 561,000 | 894,000 | 1,369,000 | 2,115,000 |
| Noninterest expense | 3,660,000 | 7,383,000 | 11,397,000 | 15,739,000 |
| Provision for loan losses | 653,000 | 1,418,000 | 2,125,000 | 2,794,000 |
| Pretax income | 2,624,000 | 5,275,000 | 8,071,000 | 11,008,000 |
| Income tax | 1,023,000 | 2,057,000 | 3,171,000 | 4,316,000 |
| Net income | 1,601,000 | 3,218,000 | 4,900,000 | 6,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,792,000 | 39,293,000 | 40,918,000 | 42,654,000 |
| Total capital | 47,349,000 | 49,245,000 | 51,116,000 | 53,161,000 |
| Risk-weighted assets | 401,746,000 | 416,667,000 | 426,200,000 | 440,887,000 |
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