Call reports 2003
LIBERTY BANK — 2003
What LIBERTY BANK 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 | 421,526,000 | 447,272,000 | 456,117,000 | 456,725,000 |
| Total loans | 365,603,000 | 378,569,000 | 375,224,000 | 391,902,000 |
| Allowance for loan losses | 3,851,000 | 3,980,000 | 4,114,000 | 4,043,000 |
| Securities available for sale | 27,991,000 | 21,306,000 | 26,273,000 | 26,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,805,000 | 366,694,000 | 374,237,000 | 375,392,000 |
| Interest-bearing deposits | 330,800,000 | 348,213,000 | 355,304,000 | 353,650,000 |
| Noninterest-bearing deposits | 19,005,000 | 18,481,000 | 18,933,000 | 21,742,000 |
| Equity capital | 34,518,000 | 35,678,000 | 36,762,000 | 37,689,000 |
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 | 5,457,000 | 11,007,000 | 16,480,000 | 21,967,000 |
| Interest expense | 2,213,000 | 4,333,000 | 6,344,000 | 8,246,000 |
| Net interest income | 3,244,000 | 6,674,000 | 10,136,000 | 13,721,000 |
| Noninterest income | 886,000 | 1,889,000 | 2,943,000 | 3,804,000 |
| Noninterest expense | 2,334,000 | 4,738,000 | 7,301,000 | 10,051,000 |
| Provision for loan losses | 245,000 | 500,000 | 749,000 | 962,000 |
| Pretax income | 1,551,000 | 3,486,000 | 5,190,000 | 6,673,000 |
| Income tax | 457,000 | 1,157,000 | 1,769,000 | 2,300,000 |
| Net income | 1,094,000 | 2,329,000 | 3,421,000 | 4,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,554,000 | 32,789,000 | 33,881,000 | 34,833,000 |
| Total capital | 35,405,000 | 36,769,000 | 37,995,000 | 38,876,000 |
| Risk-weighted assets | 335,174,000 | 345,503,000 | 343,352,000 | 356,777,000 |