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 | 104,799,000 | 110,245,000 | 123,259,000 | 119,966,000 |
| Total loans | 80,711,000 | 82,592,000 | 90,406,000 | 96,400,000 |
| Allowance for loan losses | 1,161,000 | 1,237,000 | 1,251,000 | 1,346,000 |
| Securities available for sale | 10,758,000 | 10,824,000 | 13,454,000 | 13,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,084,000 | 98,799,000 | 111,252,000 | 107,715,000 |
| Interest-bearing deposits | 77,973,000 | 82,658,000 | 95,161,000 | 91,704,000 |
| Noninterest-bearing deposits | 16,111,000 | 16,141,000 | 16,091,000 | 16,011,000 |
| Equity capital | 7,960,000 | 8,613,000 | 9,107,000 | 9,509,000 |
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 | 1,643,000 | 3,385,000 | 5,344,000 | 7,349,000 |
| Interest expense | 656,000 | 1,302,000 | 2,071,000 | 2,759,000 |
| Net interest income | 987,000 | 2,083,000 | 3,273,000 | 4,590,000 |
| Noninterest income | 250,000 | 585,000 | 971,000 | 1,378,000 |
| Noninterest expense | 1,007,000 | 1,944,000 | 2,877,000 | 3,867,000 |
| Provision for loan losses | 120,000 | 207,000 | 272,000 | 389,000 |
| Pretax income | 110,000 | 517,000 | 1,093,000 | 1,709,000 |
| Income tax | 42,000 | 168,000 | 375,000 | 600,000 |
| Net income | 68,000 | 349,000 | 718,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,956,000 | 8,537,000 | 8,906,000 | 9,297,000 |
| Total capital | 9,086,000 | 9,691,000 | 10,157,000 | 10,610,000 |
| Risk-weighted assets | 90,375,000 | 92,232,000 | 100,679,000 | 104,979,000 |