Call reports 2002
LIBERTY BANK OF NEW YORK — 2002
What LIBERTY BANK OF NEW YORK 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 | 64,186,000 | 63,947,000 | 67,640,000 | 69,393,000 |
| Total loans | 33,044,000 | 32,329,000 | 34,374,000 | 34,908,000 |
| Allowance for loan losses | 595,000 | 629,000 | 710,000 | 710,000 |
| Securities available for sale | 20,411,000 | 21,603,000 | 19,184,000 | 22,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,499,000 | 54,578,000 | 57,924,000 | 59,397,000 |
| Interest-bearing deposits | 34,732,000 | 32,523,000 | 34,744,000 | 32,752,000 |
| Noninterest-bearing deposits | 20,767,000 | 22,055,000 | 23,180,000 | 26,645,000 |
| Equity capital | 8,418,000 | 8,795,000 | 9,207,000 | 9,340,000 |
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 | 887,000 | 1,756,000 | 2,627,000 | 3,533,000 |
| Interest expense | 229,000 | 424,000 | 603,000 | 775,000 |
| Net interest income | 658,000 | 1,332,000 | 2,024,000 | 2,758,000 |
| Noninterest income | 357,000 | 741,000 | 1,127,000 | 1,539,000 |
| Noninterest expense | 954,000 | 1,872,000 | 2,789,000 | 3,713,000 |
| Provision for loan losses | 0 | 20,000 | 90,000 | 125,000 |
| Pretax income | 61,000 | 285,000 | 477,000 | 664,000 |
| Income tax | 0 | 0 | 78,000 | 165,000 |
| Net income | 61,000 | 285,000 | 399,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,276,000 | 8,500,000 | 8,613,000 | 8,714,000 |
| Total capital | 8,825,000 | 9,008,000 | 9,145,000 | 9,250,000 |
| Risk-weighted assets | 43,819,000 | 40,438,000 | 42,412,000 | 42,726,000 |