Call reports 2003
LIBERTY STATE BANK — 2003
What LIBERTY STATE 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 | 91,427,000 | 89,027,000 | 92,143,000 | 91,004,000 |
| Total loans | 49,308,000 | 51,180,000 | 50,381,000 | 54,187,000 |
| Allowance for loan losses | 1,215,000 | 1,237,000 | 1,150,000 | 1,141,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 28,380,000 | 28,943,000 | 30,287,000 | 29,289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,836,000 | 80,323,000 | 83,223,000 | 81,874,000 |
| Interest-bearing deposits | 72,853,000 | 69,880,000 | 71,904,000 | 69,702,000 |
| Noninterest-bearing deposits | 9,983,000 | 10,443,000 | 11,319,000 | 12,172,000 |
| Equity capital | 8,143,000 | 8,386,000 | 8,568,000 | 8,804,000 |
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 | 1,312,000 | 2,614,000 | 3,874,000 | 5,133,000 |
| Interest expense | 448,000 | 867,000 | 1,203,000 | 1,531,000 |
| Net interest income | 864,000 | 1,747,000 | 2,671,000 | 3,602,000 |
| Noninterest income | 180,000 | 351,000 | 471,000 | 646,000 |
| Noninterest expense | 685,000 | 1,379,000 | 1,975,000 | 2,671,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 329,000 | 662,000 | 1,082,000 | 1,464,000 |
| Income tax | 101,000 | 191,000 | 346,000 | 492,000 |
| Net income | 228,000 | 471,000 | 736,000 | 972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,143,000 | 8,386,000 | 8,568,000 | 8,804,000 |
| Total capital | 8,804,000 | 9,040,000 | 9,220,000 | 9,506,000 |
| Risk-weighted assets | 52,330,000 | 51,747,000 | 51,685,000 | 55,727,000 |