Call reports 2001
LIBERTY BANK AND TRUST COMPANY — 2001
What LIBERTY BANK AND TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 36,577,000 | 37,365,000 | 37,377,000 | 37,143,000 |
| Total loans | 21,685,000 | 21,502,000 | 21,896,000 | 21,893,000 |
| Allowance for loan losses | 442,000 | 445,000 | 418,000 | 425,000 |
| Securities available for sale | 4,971,000 | 5,043,000 | 5,157,000 | 3,249,000 |
| Securities held to maturity | 1,998,000 | 1,998,000 | 1,997,000 | 1,997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,361,000 | 30,688,000 | 30,586,000 | 30,385,000 |
| Interest-bearing deposits | 19,396,000 | 21,587,000 | 20,416,000 | 21,694,000 |
| Noninterest-bearing deposits | 10,965,000 | 9,101,000 | 10,170,000 | 8,691,000 |
| Equity capital | 5,804,000 | 6,108,000 | 6,361,000 | 6,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 844,000 | 1,595,000 | 2,295,000 | 2,929,000 |
| Interest expense | 206,000 | 378,000 | 537,000 | 665,000 |
| Net interest income | 638,000 | 1,217,000 | 1,758,000 | 2,264,000 |
| Noninterest income | 82,000 | 173,000 | 314,000 | 397,000 |
| Noninterest expense | 359,000 | 709,000 | 1,136,000 | 1,648,000 |
| Provision for loan losses | 32,000 | 36,000 | 9,000 | 15,000 |
| Pretax income | 329,000 | 645,000 | 927,000 | 1,052,000 |
| Income tax | 124,000 | 179,000 | 288,000 | 368,000 |
| Net income | 205,000 | 466,000 | 639,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,740,000 | 6,001,000 | 6,173,000 | 6,219,000 |
| Total capital | 6,092,000 | 6,339,000 | 6,513,000 | 6,548,000 |
| Risk-weighted assets | 28,037,000 | 26,959,000 | 27,133,000 | 26,221,000 |