Call reports 2003
LIBERTY BANK OF NEW YORK — 2003
What LIBERTY BANK OF NEW YORK 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 | 72,233,000 | 75,795,000 | 75,874,000 | 73,504,000 |
| Total loans | 34,441,000 | 34,456,000 | 33,373,000 | 33,621,000 |
| Allowance for loan losses | 731,000 | 768,000 | 762,000 | 738,000 |
| Securities available for sale | 24,897,000 | 26,165,000 | 24,231,000 | 26,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,807,000 | 65,919,000 | 66,223,000 | 64,145,000 |
| Interest-bearing deposits | 34,206,000 | 33,293,000 | 34,768,000 | 35,418,000 |
| Noninterest-bearing deposits | 27,601,000 | 32,626,000 | 31,455,000 | 28,727,000 |
| Equity capital | 9,439,000 | 9,506,000 | 9,355,000 | 9,223,000 |
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 | 870,000 | 1,735,000 | 2,533,000 | 3,346,000 |
| Interest expense | 154,000 | 301,000 | 446,000 | 580,000 |
| Net interest income | 716,000 | 1,434,000 | 2,087,000 | 2,766,000 |
| Noninterest income | 390,000 | 792,000 | 1,186,000 | 1,613,000 |
| Noninterest expense | 886,000 | 1,821,000 | 2,767,000 | 3,756,000 |
| Provision for loan losses | 20,000 | 50,000 | 90,000 | 300,000 |
| Pretax income | 200,000 | 386,000 | 447,000 | 354,000 |
| Income tax | 56,000 | 140,000 | 168,000 | 120,000 |
| Net income | 144,000 | 246,000 | 279,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,858,000 | 8,960,000 | 8,993,000 | 8,948,000 |
| Total capital | 9,404,000 | 9,515,000 | 9,543,000 | 9,492,000 |
| Risk-weighted assets | 43,461,000 | 44,149,000 | 43,823,000 | 43,347,000 |