Call reports 2002
LIBERTY BANK, SSB — 2002
What LIBERTY BANK, SSB 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 | 140,546,000 | 158,365,000 | 166,696,000 | 165,090,000 |
| Total loans | 112,082,000 | 122,848,000 | 133,343,000 | 139,610,000 |
| Allowance for loan losses | 1,316,000 | 1,369,000 | 1,411,000 | 1,589,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 120,000 | 119,000 | 1,313,000 | 1,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,417,000 | 144,994,000 | 152,464,000 | 149,896,000 |
| Interest-bearing deposits | 98,355,000 | 112,377,000 | 113,921,000 | 111,528,000 |
| Noninterest-bearing deposits | 29,062,000 | 32,617,000 | 38,543,000 | 38,368,000 |
| Equity capital | 12,480,000 | 12,909,000 | 13,365,000 | 14,577,000 |
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 | 2,135,000 | 4,347,000 | 6,643,000 | 8,930,000 |
| Interest expense | 579,000 | 1,161,000 | 1,725,000 | 2,223,000 |
| Net interest income | 1,556,000 | 3,186,000 | 4,918,000 | 6,707,000 |
| Noninterest income | 618,000 | 1,240,000 | 1,854,000 | 2,409,000 |
| Noninterest expense | 1,515,000 | 3,042,000 | 4,617,000 | 6,182,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 400,000 |
| Pretax income | 584,000 | 1,234,000 | 1,930,000 | 2,534,000 |
| Income tax | 198,000 | 419,000 | 659,000 | 51,000 |
| Net income | 386,000 | 815,000 | 1,271,000 | 2,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,480,000 | 12,909,000 | 13,365,000 | 14,577,000 |
| Total capital | 13,796,000 | 14,278,000 | 14,776,000 | 16,166,000 |
| Risk-weighted assets | 112,300,000 | 123,018,000 | 135,202,000 | 135,402,000 |