Call reports 2001
LIBERTY BANK OF NEW YORK — 2001
What LIBERTY BANK OF NEW YORK 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 | 66,767,000 | 75,378,000 | 72,196,000 | 69,399,000 |
| Total loans | 35,128,000 | 42,161,000 | 39,669,000 | 35,856,000 |
| Allowance for loan losses | 493,000 | 544,000 | 655,000 | 629,000 |
| Securities available for sale | 18,454,000 | 16,278,000 | 19,926,000 | 19,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,900,000 | 66,237,000 | 62,637,000 | 60,630,000 |
| Interest-bearing deposits | 39,822,000 | 44,349,000 | 40,709,000 | 37,112,000 |
| Noninterest-bearing deposits | 18,078,000 | 21,888,000 | 21,928,000 | 23,518,000 |
| Equity capital | 8,299,000 | 8,266,000 | 8,499,000 | 8,499,000 |
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 | 1,269,000 | 2,563,000 | 3,780,000 | 4,783,000 |
| Interest expense | 479,000 | 956,000 | 1,400,000 | 1,726,000 |
| Net interest income | 790,000 | 1,607,000 | 2,380,000 | 3,057,000 |
| Noninterest income | 383,000 | 812,000 | 1,248,000 | 1,630,000 |
| Noninterest expense | 911,000 | 1,861,000 | 3,022,000 | 4,185,000 |
| Provision for loan losses | 30,000 | 85,000 | 205,000 | 455,000 |
| Pretax income | 232,000 | 495,000 | 445,000 | 106,000 |
| Income tax | 45,000 | 250,000 | 320,000 | -148,000 |
| Net income | 187,000 | 245,000 | 125,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,147,000 | 8,205,000 | 8,055,000 | 8,186,000 |
| Total capital | 8,640,000 | 8,749,000 | 8,681,000 | 8,781,000 |
| Risk-weighted assets | 46,706,000 | 53,963,000 | 50,122,000 | 47,586,000 |