Call reports 2002
LIBERTY NATIONAL BANK — 2002
What LIBERTY NATIONAL 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 | 150,446,000 | 151,113,000 | 153,655,000 | 153,833,000 |
| Total loans | 111,401,000 | 113,440,000 | 110,355,000 | 111,845,000 |
| Allowance for loan losses | 927,000 | 949,000 | 957,000 | 1,039,000 |
| Securities available for sale | 27,889,000 | 26,584,000 | 26,043,000 | 27,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,240,000 | 123,852,000 | 131,277,000 | 131,398,000 |
| Interest-bearing deposits | 100,799,000 | 101,533,000 | 109,702,000 | 110,033,000 |
| Noninterest-bearing deposits | 24,441,000 | 22,319,000 | 21,575,000 | 21,365,000 |
| Equity capital | 16,063,000 | 16,240,000 | 16,908,000 | 16,787,000 |
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 | 2,504,000 | 4,931,000 | 7,303,000 | 9,602,000 |
| Interest expense | 742,000 | 1,412,000 | 2,133,000 | 2,853,000 |
| Net interest income | 1,762,000 | 3,519,000 | 5,170,000 | 6,749,000 |
| Noninterest income | 263,000 | 486,000 | 748,000 | 1,011,000 |
| Noninterest expense | 1,263,000 | 2,596,000 | 3,887,000 | 5,204,000 |
| Provision for loan losses | 75,000 | 368,000 | 443,000 | 543,000 |
| Pretax income | 689,000 | 1,134,000 | 1,681,000 | 2,106,000 |
| Income tax | 166,000 | 266,000 | 390,000 | 488,000 |
| Net income | 523,000 | 868,000 | 1,291,000 | 1,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,053,000 | 15,066,000 | 15,506,000 | 15,459,000 |
| Total capital | 15,980,000 | 16,015,000 | 16,463,000 | 16,498,000 |
| Risk-weighted assets | 106,743,000 | 106,717,000 | 105,466,000 | 105,964,000 |