Call reports 2003
LIBERTY NATIONAL BANK — 2003
What LIBERTY NATIONAL 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 | 153,444,000 | 152,466,000 | 152,305,000 | 152,312,000 |
| Total loans | 111,790,000 | 114,257,000 | 114,534,000 | 110,501,000 |
| Allowance for loan losses | 1,134,000 | 1,213,000 | 1,235,000 | 1,053,000 |
| Securities available for sale | 28,122,000 | 26,256,000 | 25,641,000 | 30,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,263,000 | 131,049,000 | 131,674,000 | 130,131,000 |
| Interest-bearing deposits | 108,086,000 | 109,478,000 | 107,153,000 | 105,038,000 |
| Noninterest-bearing deposits | 23,177,000 | 21,571,000 | 24,521,000 | 25,093,000 |
| Equity capital | 17,143,000 | 17,170,000 | 17,274,000 | 16,197,000 |
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 | 2,227,000 | 4,491,000 | 6,639,000 | 8,750,000 |
| Interest expense | 650,000 | 1,261,000 | 1,830,000 | 2,361,000 |
| Net interest income | 1,577,000 | 3,230,000 | 4,809,000 | 6,389,000 |
| Noninterest income | 268,000 | 529,000 | 832,000 | 1,059,000 |
| Noninterest expense | 1,310,000 | 2,572,000 | 3,889,000 | 5,291,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 470,000 |
| Pretax income | 385,000 | 893,000 | 1,308,000 | 1,707,000 |
| Income tax | 74,000 | 173,000 | 254,000 | 336,000 |
| Net income | 311,000 | 720,000 | 1,054,000 | 1,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,748,000 | 15,816,000 | 16,154,000 | 15,137,000 |
| Total capital | 16,882,000 | 17,029,000 | 17,389,000 | 16,190,000 |
| Risk-weighted assets | 107,200,000 | 106,488,000 | 107,015,000 | 104,080,000 |