Call reports 2003
LIBERTY BANK N.A. — 2003
What LIBERTY BANK N.A. 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 | 41,745,000 | 42,246,000 | 48,214,000 | 55,643,000 |
| Total loans | 32,017,000 | 32,896,000 | 34,639,000 | 34,317,000 |
| Allowance for loan losses | 500,000 | 516,000 | 594,000 | 639,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,875,000 | 23,323,000 | 29,487,000 | 36,845,000 |
| Interest-bearing deposits | 21,999,000 | 22,285,000 | 28,244,000 | 35,672,000 |
| Noninterest-bearing deposits | 876,000 | 1,038,000 | 1,243,000 | 1,173,000 |
| Equity capital | 18,526,000 | 18,422,000 | 18,418,000 | 18,447,000 |
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 | 716,000 | 1,399,000 | 2,090,000 | 2,776,000 |
| Interest expense | 87,000 | 172,000 | 256,000 | 391,000 |
| Net interest income | 629,000 | 1,227,000 | 1,834,000 | 2,385,000 |
| Noninterest income | 38,000 | 116,000 | 155,000 | 316,000 |
| Noninterest expense | 514,000 | 1,263,000 | 1,835,000 | 2,456,000 |
| Provision for loan losses | 20,000 | 36,000 | 114,000 | 159,000 |
| Pretax income | 133,000 | 44,000 | 40,000 | 86,000 |
| Income tax | 31,000 | 46,000 | 46,000 | 63,000 |
| Net income | 102,000 | -2,000 | -6,000 | 23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,526,000 | 18,422,000 | 18,418,000 | 18,447,000 |
| Total capital | 18,969,000 | 18,873,000 | 18,935,000 | 18,995,000 |
| Risk-weighted assets | 35,385,000 | 36,002,000 | 41,283,000 | 43,784,000 |