Call reports 2003
LIBERTY BANK FOR SAVINGS — 2003
What LIBERTY BANK FOR SAVINGS 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 | 759,958,000 | 773,666,000 | 776,525,000 | 764,161,000 |
| Total loans | 293,478,000 | 284,633,000 | 276,585,000 | 271,059,000 |
| Allowance for loan losses | 1,582,000 | 1,582,000 | 1,582,000 | 1,582,000 |
| Securities available for sale | 419,782,000 | 441,299,000 | 469,110,000 | 453,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,921,000 | 624,569,000 | 619,738,000 | 621,497,000 |
| Interest-bearing deposits | 589,789,000 | 596,989,000 | 597,271,000 | 597,246,000 |
| Noninterest-bearing deposits | 25,132,000 | 27,580,000 | 22,467,000 | 24,251,000 |
| Equity capital | 132,734,000 | 136,144,000 | 134,318,000 | 133,548,000 |
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 | 9,912,000 | 19,552,000 | 28,776,000 | 38,134,000 |
| Interest expense | 3,737,000 | 7,008,000 | 10,099,000 | 13,104,000 |
| Net interest income | 6,175,000 | 12,544,000 | 18,677,000 | 25,030,000 |
| Noninterest income | 193,000 | 769,000 | 1,065,000 | 1,444,000 |
| Noninterest expense | 3,661,000 | 7,121,000 | 10,545,000 | 14,119,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,707,000 | 6,192,000 | 9,197,000 | 12,355,000 |
| Income tax | 834,000 | 1,991,000 | 2,958,000 | 3,990,000 |
| Net income | 1,873,000 | 4,201,000 | 6,239,000 | 8,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,302,000 | 122,628,000 | 124,665,000 | 126,795,000 |
| Total capital | 122,041,000 | 124,390,000 | 126,427,000 | 128,581,000 |
| Risk-weighted assets | 289,961,000 | 289,456,000 | 287,442,000 | 284,116,000 |
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