Call reports 2003
LIVERPOOL COMMUNITY BANK — 2003
What LIVERPOOL COMMUNITY 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 | 29,704,000 | 29,782,000 | 30,560,000 | 29,974,000 |
| Total loans | 20,051,000 | 21,214,000 | 22,956,000 | 23,952,000 |
| Allowance for loan losses | 282,000 | 287,000 | 292,000 | 304,000 |
| Securities available for sale | 3,036,000 | 4,154,000 | 3,533,000 | 2,019,000 |
| Securities held to maturity | 2,637,000 | 2,658,000 | 2,354,000 | 2,052,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,155,000 | 26,172,000 | 26,289,000 | 26,137,000 |
| Interest-bearing deposits | 23,048,000 | 23,461,000 | 23,383,000 | 23,419,000 |
| Noninterest-bearing deposits | 3,107,000 | 2,711,000 | 2,906,000 | 2,718,000 |
| Equity capital | 3,223,000 | 3,330,000 | 3,431,000 | 3,521,000 |
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 | 467,000 | 971,000 | 1,473,000 | 1,961,000 |
| Interest expense | 159,000 | 310,000 | 456,000 | 598,000 |
| Net interest income | 308,000 | 661,000 | 1,017,000 | 1,363,000 |
| Noninterest income | 26,000 | 56,000 | 99,000 | 139,000 |
| Noninterest expense | 187,000 | 388,000 | 590,000 | 794,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 27,000 |
| Pretax income | 142,000 | 319,000 | 511,000 | 681,000 |
| Income tax | 50,000 | 105,000 | 169,000 | 224,000 |
| Net income | 92,000 | 214,000 | 342,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,216,000 | 3,319,000 | 3,425,000 | 3,518,000 |
| Total capital | 3,439,000 | 3,544,000 | 3,660,000 | 3,755,000 |
| Risk-weighted assets | 17,745,000 | 18,093,000 | 18,771,000 | 18,978,000 |