Call reports 2003
LIBERTY BANK & TRUST — 2003
What LIBERTY BANK & TRUST 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 | 27,986,000 | 25,499,000 | 24,852,000 | 24,394,000 |
| Total loans | 15,191,000 | 14,706,000 | 15,406,000 | 15,622,000 |
| Allowance for loan losses | 205,000 | 212,000 | 217,000 | 208,000 |
| Securities available for sale | 3,724,000 | 4,459,000 | 4,159,000 | 3,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,621,000 | 22,091,000 | 21,501,000 | 21,049,000 |
| Interest-bearing deposits | 18,195,000 | 16,227,000 | 16,559,000 | 16,631,000 |
| Noninterest-bearing deposits | 6,426,000 | 5,864,000 | 4,941,000 | 4,418,000 |
| Equity capital | 3,293,000 | 3,319,000 | 3,271,000 | 3,268,000 |
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 | 308,000 | 613,000 | 910,000 | 1,212,000 |
| Interest expense | 84,000 | 159,000 | 227,000 | 295,000 |
| Net interest income | 224,000 | 454,000 | 683,000 | 917,000 |
| Noninterest income | 75,000 | 150,000 | 236,000 | 298,000 |
| Noninterest expense | 278,000 | 545,000 | 829,000 | 1,121,000 |
| Provision for loan losses | 4,000 | 10,000 | 16,000 | 22,000 |
| Pretax income | 17,000 | 49,000 | 74,000 | 72,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 17,000 | 41,000 | 74,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,207,000 | 3,206,000 | 3,200,000 | 3,198,000 |
| Total capital | 3,410,000 | 3,407,000 | 3,401,000 | 3,401,000 |
| Risk-weighted assets | 16,239,000 | 16,040,000 | 16,058,000 | 16,335,000 |