Call reports 2002
LIBERTY BANK — 2002
What LIBERTY 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 | 74,878,000 | 74,852,000 | 74,469,000 | 74,076,000 |
| Total loans | 34,853,000 | 35,478,000 | 36,657,000 | 37,438,000 |
| Allowance for loan losses | 472,000 | 486,000 | 477,000 | 496,000 |
| Securities available for sale | 24,688,000 | 28,268,000 | 25,559,000 | 23,107,000 |
| Securities held to maturity | 3,448,000 | 3,199,000 | 2,456,000 | 2,181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,693,000 | 65,198,000 | 64,239,000 | 64,195,000 |
| Interest-bearing deposits | 54,876,000 | 54,899,000 | 54,083,000 | 54,132,000 |
| Noninterest-bearing deposits | 10,817,000 | 10,299,000 | 10,156,000 | 10,063,000 |
| Equity capital | 8,610,000 | 9,217,000 | 9,642,000 | 9,393,000 |
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 | 1,196,000 | 2,424,000 | 3,657,000 | 4,819,000 |
| Interest expense | 442,000 | 858,000 | 1,244,000 | 1,588,000 |
| Net interest income | 754,000 | 1,566,000 | 2,413,000 | 3,231,000 |
| Noninterest income | 126,000 | 258,000 | 396,000 | 541,000 |
| Noninterest expense | 503,000 | 1,044,000 | 1,545,000 | 2,124,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 151,000 |
| Pretax income | 354,000 | 735,000 | 1,197,000 | 1,497,000 |
| Income tax | 108,000 | 228,000 | 416,000 | 537,000 |
| Net income | 246,000 | 507,000 | 781,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,739,000 | 9,008,000 | 9,285,000 | 9,084,000 |
| Total capital | 9,211,000 | 9,494,000 | 9,762,000 | 9,580,000 |
| Risk-weighted assets | 40,988,000 | 40,453,000 | 41,114,000 | 40,874,000 |