Call reports 2003
NEW LIBERTY BANK — 2003
What NEW LIBERTY 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 | 45,059,000 | 52,942,000 | 49,383,000 | 51,719,000 |
| Total loans | 32,537,000 | 34,824,000 | 40,560,000 | 44,396,000 |
| Allowance for loan losses | 491,000 | 543,000 | 608,000 | 666,000 |
| Securities available for sale | 2,737,000 | 1,536,000 | 1,241,000 | 737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,141,000 | 45,057,000 | 42,801,000 | 45,002,000 |
| Interest-bearing deposits | 29,323,000 | 34,134,000 | 34,318,000 | 35,756,000 |
| Noninterest-bearing deposits | 7,818,000 | 10,923,000 | 8,483,000 | 9,246,000 |
| Equity capital | 6,527,000 | 6,537,000 | 6,460,000 | 6,461,000 |
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 | 589,000 | 1,249,000 | 1,929,000 | 2,453,000 |
| Interest expense | 143,000 | 324,000 | 508,000 | 700,000 |
| Net interest income | 446,000 | 925,000 | 1,421,000 | 1,753,000 |
| Noninterest income | 24,000 | 51,000 | 79,000 | 304,000 |
| Noninterest expense | 464,000 | 911,000 | 1,399,000 | 1,903,000 |
| Provision for loan losses | 37,000 | 89,000 | 154,000 | 212,000 |
| Pretax income | -31,000 | -24,000 | -53,000 | -58,000 |
| Income tax | 3,000 | 4,000 | 6,000 | 7,000 |
| Net income | -34,000 | -28,000 | -59,000 | -65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,449,000 | 5,494,000 | 5,500,000 | 5,534,000 |
| Total capital | 5,914,000 | 6,011,000 | 6,053,000 | 6,149,000 |
| Risk-weighted assets | 37,153,000 | 41,360,000 | 44,146,000 | 49,133,000 |