Call reports 2003
LIBERTY BANK — 2003
What LIBERTY 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 | 75,021,000 | 75,000,000 | 76,183,000 | 78,208,000 |
| Total loans | 37,570,000 | 39,503,000 | 39,656,000 | 39,607,000 |
| Allowance for loan losses | 474,000 | 466,000 | 497,000 | 515,000 |
| Securities available for sale | 25,114,000 | 23,045,000 | 25,410,000 | 26,153,000 |
| Securities held to maturity | 2,084,000 | 1,943,000 | 1,833,000 | 1,588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,984,000 | 64,650,000 | 65,957,000 | 68,132,000 |
| Interest-bearing deposits | 54,540,000 | 53,760,000 | 55,070,000 | 56,673,000 |
| Noninterest-bearing deposits | 10,444,000 | 10,890,000 | 10,887,000 | 11,459,000 |
| Equity capital | 9,543,000 | 9,915,000 | 9,814,000 | 9,655,000 |
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 | 1,090,000 | 2,191,000 | 3,265,000 | 4,403,000 |
| Interest expense | 289,000 | 562,000 | 831,000 | 1,088,000 |
| Net interest income | 801,000 | 1,629,000 | 2,434,000 | 3,315,000 |
| Noninterest income | 137,000 | 279,000 | 427,000 | 577,000 |
| Noninterest expense | 523,000 | 1,064,000 | 1,570,000 | 2,173,000 |
| Provision for loan losses | 23,000 | 45,000 | 90,000 | 135,000 |
| Pretax income | 392,000 | 919,000 | 1,321,000 | 1,708,000 |
| Income tax | 125,000 | 268,000 | 480,000 | 602,000 |
| Net income | 267,000 | 651,000 | 841,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,351,000 | 9,735,000 | 9,926,000 | 9,727,000 |
| Total capital | 9,825,000 | 10,201,000 | 10,423,000 | 10,242,000 |
| Risk-weighted assets | 42,006,000 | 42,900,000 | 43,397,000 | 43,565,000 |