Call reports 2001
LIBERTY BANK, SSB — 2001
What LIBERTY BANK, SSB reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 142,994,000 | 153,283,000 | 157,440,000 | 152,240,000 |
| Total loans | 109,408,000 | 112,116,000 | 121,081,000 | 119,067,000 |
| Allowance for loan losses | 995,000 | 1,022,000 | 1,167,000 | 1,241,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 117,000 | 117,000 | 119,000 | 119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,582,000 | 141,740,000 | 145,191,000 | 139,661,000 |
| Interest-bearing deposits | 103,997,000 | 106,531,000 | 112,066,000 | 109,176,000 |
| Noninterest-bearing deposits | 27,585,000 | 35,209,000 | 33,125,000 | 30,485,000 |
| Equity capital | 10,847,000 | 11,203,000 | 11,631,000 | 12,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,029,000 | 5,786,000 | 8,558,000 | 10,982,000 |
| Interest expense | 1,286,000 | 2,363,000 | 3,426,000 | 4,197,000 |
| Net interest income | 1,743,000 | 3,423,000 | 5,132,000 | 6,785,000 |
| Noninterest income | 735,000 | 1,258,000 | 1,827,000 | 2,479,000 |
| Noninterest expense | 1,468,000 | 2,981,000 | 4,511,000 | 6,040,000 |
| Provision for loan losses | 250,000 | 400,000 | 500,000 | 575,000 |
| Pretax income | 760,000 | 1,300,000 | 1,948,000 | 2,649,000 |
| Income tax | 204,000 | 388,000 | 608,000 | 846,000 |
| Net income | 556,000 | 912,000 | 1,340,000 | 1,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,847,000 | 11,203,000 | 11,631,000 | 12,094,000 |
| Total capital | 11,842,000 | 12,225,000 | 12,798,000 | 13,335,000 |
| Risk-weighted assets | 112,060,000 | 117,600,000 | 121,673,000 | 118,399,000 |