Call reports 2003
LIBERTY BANK, SSB — 2003
What LIBERTY BANK, SSB 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 | 177,276,000 | 174,085,000 | 183,733,000 | 193,210,000 |
| Total loans | 144,660,000 | 135,571,000 | 138,970,000 | 139,819,000 |
| Allowance for loan losses | 1,655,000 | 1,656,000 | 1,707,000 | 1,750,000 |
| Securities available for sale | 0 | 0 | 0 | 7,000,000 |
| Securities held to maturity | 120,000 | 139,000 | 150,000 | 149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,667,000 | 157,776,000 | 166,704,000 | 176,374,000 |
| Interest-bearing deposits | 124,426,000 | 120,940,000 | 127,115,000 | 135,883,000 |
| Noninterest-bearing deposits | 37,241,000 | 36,836,000 | 39,589,000 | 40,491,000 |
| Equity capital | 15,048,000 | 15,568,000 | 16,079,000 | 15,645,000 |
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 | 2,159,000 | 4,301,000 | 6,332,000 | 8,467,000 |
| Interest expense | 482,000 | 1,005,000 | 1,501,000 | 1,999,000 |
| Net interest income | 1,677,000 | 3,296,000 | 4,831,000 | 6,468,000 |
| Noninterest income | 484,000 | 988,000 | 1,475,000 | 1,915,000 |
| Noninterest expense | 1,527,000 | 2,975,000 | 4,340,000 | 5,676,000 |
| Provision for loan losses | 75,000 | 120,000 | 165,000 | 210,000 |
| Pretax income | 559,000 | 1,189,000 | 1,801,000 | 2,497,000 |
| Income tax | 88,000 | 198,000 | 299,000 | 429,000 |
| Net income | 471,000 | 991,000 | 1,502,000 | 2,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,998,000 | 15,505,000 | 16,009,000 | 15,568,000 |
| Total capital | 16,653,000 | 17,122,000 | 17,715,000 | 17,292,000 |
| Risk-weighted assets | 138,373,000 | 129,300,000 | 135,651,000 | 137,083,000 |