Call reports 2002
LIBERTY STATE BANK — 2002
What LIBERTY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 91,305,000 | 89,890,000 | 90,044,000 | 91,323,000 |
| Total loans | 50,445,000 | 48,668,000 | 49,015,000 | 49,766,000 |
| Allowance for loan losses | 1,372,000 | 1,324,000 | 1,289,000 | 1,256,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,443,000 | 26,625,000 | 26,636,000 | 28,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,462,000 | 81,905,000 | 81,859,000 | 82,963,000 |
| Interest-bearing deposits | 74,122,000 | 72,524,000 | 72,766,000 | 73,113,000 |
| Noninterest-bearing deposits | 9,340,000 | 9,381,000 | 9,093,000 | 9,850,000 |
| Equity capital | 7,353,000 | 7,587,000 | 7,755,000 | 7,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,471,000 | 2,917,000 | 4,314,000 | 5,711,000 |
| Interest expense | 591,000 | 1,125,000 | 1,659,000 | 2,182,000 |
| Net interest income | 880,000 | 1,792,000 | 2,655,000 | 3,529,000 |
| Noninterest income | 158,000 | 339,000 | 545,000 | 746,000 |
| Noninterest expense | 669,000 | 1,360,000 | 2,062,000 | 2,770,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 348,000 | 717,000 | 1,055,000 | 1,392,000 |
| Income tax | 75,000 | 210,000 | 305,000 | 400,000 |
| Net income | 273,000 | 507,000 | 750,000 | 992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,353,000 | 7,587,000 | 7,755,000 | 7,997,000 |
| Total capital | 8,050,000 | 8,264,000 | 8,423,000 | 8,666,000 |
| Risk-weighted assets | 55,088,000 | 53,545,000 | 52,787,000 | 52,928,000 |
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