Call reports 2002
LIBERTY TRUST & SAVINGS BANK — 2002
What LIBERTY TRUST & SAVINGS 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 | 109,204,000 | 108,061,000 | 109,196,000 | 114,652,000 |
| Total loans | 61,132,000 | 59,680,000 | 60,999,000 | 54,604,000 |
| Allowance for loan losses | 983,000 | 986,000 | 986,000 | 1,024,000 |
| Securities available for sale | 36,265,000 | 36,111,000 | 36,902,000 | 41,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,172,000 | 92,352,000 | 92,743,000 | 98,139,000 |
| Interest-bearing deposits | 85,554,000 | 82,746,000 | 84,160,000 | 89,391,000 |
| Noninterest-bearing deposits | 8,618,000 | 9,606,000 | 8,583,000 | 8,748,000 |
| Equity capital | 13,290,000 | 13,897,000 | 14,336,000 | 14,577,000 |
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 | 1,705,000 | 3,348,000 | 4,988,000 | 6,629,000 |
| Interest expense | 766,000 | 1,469,000 | 2,139,000 | 2,785,000 |
| Net interest income | 939,000 | 1,879,000 | 2,849,000 | 3,844,000 |
| Noninterest income | 101,000 | 200,000 | 302,000 | 402,000 |
| Noninterest expense | 531,000 | 1,075,000 | 1,617,000 | 2,296,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 509,000 | 1,004,000 | 1,534,000 | 1,900,000 |
| Income tax | 125,000 | 256,000 | 401,000 | 483,000 |
| Net income | 384,000 | 748,000 | 1,133,000 | 1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,695,000 | 13,063,000 | 13,326,000 | 13,614,000 |
| Total capital | 13,487,000 | 13,838,000 | 14,119,000 | 14,370,000 |
| Risk-weighted assets | 63,157,000 | 61,805,000 | 63,266,000 | 60,172,000 |