Call reports 2003
LIBERTY TRUST & SAVINGS BANK — 2003
What LIBERTY TRUST & SAVINGS 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 | 119,106,000 | 119,292,000 | 117,166,000 | 117,940,000 |
| Total loans | 54,376,000 | 53,221,000 | 52,693,000 | 48,197,000 |
| Allowance for loan losses | 1,023,000 | 1,019,000 | 1,010,000 | 827,000 |
| Securities available for sale | 46,000,000 | 45,756,000 | 47,225,000 | 50,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,001,000 | 102,012,000 | 100,551,000 | 101,655,000 |
| Interest-bearing deposits | 92,344,000 | 92,261,000 | 91,682,000 | 91,868,000 |
| Noninterest-bearing deposits | 10,657,000 | 9,751,000 | 8,869,000 | 9,787,000 |
| Equity capital | 14,486,000 | 15,019,000 | 14,831,000 | 14,723,000 |
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 | 1,493,000 | 2,901,000 | 4,262,000 | 5,581,000 |
| Interest expense | 584,000 | 1,170,000 | 1,712,000 | 2,200,000 |
| Net interest income | 909,000 | 1,731,000 | 2,550,000 | 3,381,000 |
| Noninterest income | 104,000 | 200,000 | 323,000 | 418,000 |
| Noninterest expense | 574,000 | 1,141,000 | 1,691,000 | 2,355,000 |
| Provision for loan losses | 0 | 0 | 0 | 400,000 |
| Pretax income | 439,000 | 790,000 | 1,182,000 | 1,027,000 |
| Income tax | 108,000 | 182,000 | 275,000 | 161,000 |
| Net income | 331,000 | 608,000 | 907,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,641,000 | 13,921,000 | 14,098,000 | 14,061,000 |
| Total capital | 14,412,000 | 14,682,000 | 14,860,000 | 14,786,000 |
| Risk-weighted assets | 61,467,000 | 60,631,000 | 60,732,000 | 57,868,000 |