Call reports 2003
LIBERTY NATIONAL BANK — 2003
What LIBERTY NATIONAL BANK 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 | 92,607,000 | 90,605,000 | 92,970,000 | 96,089,000 |
| Total loans | 65,751,000 | 66,977,000 | 70,161,000 | 79,183,000 |
| Allowance for loan losses | 741,000 | 805,000 | 824,000 | 840,000 |
| Securities available for sale | 10,849,000 | 9,209,000 | 7,380,000 | 6,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,536,000 | 80,960,000 | 83,093,000 | 85,457,000 |
| Interest-bearing deposits | 67,683,000 | 65,106,000 | 64,644,000 | 67,566,000 |
| Noninterest-bearing deposits | 14,853,000 | 15,854,000 | 18,449,000 | 17,891,000 |
| Equity capital | 7,037,000 | 7,227,000 | 7,444,000 | 7,713,000 |
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 | 1,484,000 | 2,947,000 | 4,487,000 | 6,072,000 |
| Interest expense | 376,000 | 734,000 | 1,062,000 | 1,361,000 |
| Net interest income | 1,108,000 | 2,213,000 | 3,425,000 | 4,711,000 |
| Noninterest income | 173,000 | 383,000 | 562,000 | 830,000 |
| Noninterest expense | 786,000 | 1,602,000 | 2,448,000 | 3,400,000 |
| Provision for loan losses | 218,000 | 287,000 | 397,000 | 474,000 |
| Pretax income | 277,000 | 707,000 | 1,151,000 | 1,676,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 277,000 | 707,000 | 1,151,000 | 1,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,425,000 | 6,655,000 | 6,908,000 | 7,144,000 |
| Total capital | 7,166,000 | 7,460,000 | 7,732,000 | 7,984,000 |
| Risk-weighted assets | 66,677,000 | 66,900,000 | 69,019,000 | 75,571,000 |
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