Call reports 2002
LIBERTY BANK — 2002
What LIBERTY BANK 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 | 382,959,000 | 384,477,000 | 401,439,000 | 417,774,000 |
| Total loans | 316,316,000 | 324,181,000 | 330,838,000 | 345,329,000 |
| Allowance for loan losses | 3,468,000 | 3,311,000 | 3,464,000 | 3,645,000 |
| Securities available for sale | 30,618,000 | 26,415,000 | 23,894,000 | 31,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,744,000 | 317,119,000 | 331,700,000 | 353,678,000 |
| Interest-bearing deposits | 297,263,000 | 302,684,000 | 311,886,000 | 335,159,000 |
| Noninterest-bearing deposits | 19,481,000 | 14,435,000 | 19,814,000 | 18,519,000 |
| Equity capital | 29,867,000 | 31,859,000 | 32,650,000 | 33,469,000 |
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 | 5,582,000 | 11,148,000 | 16,635,000 | 22,218,000 |
| Interest expense | 2,645,000 | 5,107,000 | 7,516,000 | 9,916,000 |
| Net interest income | 2,937,000 | 6,041,000 | 9,119,000 | 12,302,000 |
| Noninterest income | 681,000 | 1,403,000 | 2,178,000 | 3,209,000 |
| Noninterest expense | 2,061,000 | 4,189,000 | 6,301,000 | 8,776,000 |
| Provision for loan losses | 248,000 | 493,000 | 763,000 | 1,120,000 |
| Pretax income | 1,314,000 | 2,929,000 | 4,416,000 | 5,798,000 |
| Income tax | 478,000 | 1,064,000 | 1,602,000 | 2,140,000 |
| Net income | 836,000 | 1,865,000 | 2,814,000 | 3,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,674,000 | 28,793,000 | 29,616,000 | 30,460,000 |
| Total capital | 30,142,000 | 32,104,000 | 33,080,000 | 34,105,000 |
| Risk-weighted assets | 296,230,000 | 301,897,000 | 307,818,000 | 320,562,000 |