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 | 134,148,000 | 140,411,000 | 140,838,000 | 156,310,000 |
| Total loans | 105,385,000 | 115,045,000 | 117,386,000 | 130,467,000 |
| Allowance for loan losses | 1,454,000 | 1,610,000 | 1,645,000 | 1,699,000 |
| Securities available for sale | 12,752,000 | 12,105,000 | 11,198,000 | 12,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,746,000 | 126,222,000 | 126,276,000 | 140,596,000 |
| Interest-bearing deposits | 102,453,000 | 107,257,000 | 104,703,000 | 115,221,000 |
| Noninterest-bearing deposits | 18,293,000 | 18,965,000 | 21,573,000 | 25,375,000 |
| Equity capital | 10,543,000 | 11,386,000 | 11,692,000 | 12,815,000 |
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 | 1,983,000 | 4,029,000 | 6,111,000 | 8,230,000 |
| Interest expense | 674,000 | 1,405,000 | 2,059,000 | 2,711,000 |
| Net interest income | 1,309,000 | 2,624,000 | 4,052,000 | 5,519,000 |
| Noninterest income | 402,000 | 904,000 | 1,313,000 | 1,794,000 |
| Noninterest expense | 1,037,000 | 2,194,000 | 3,336,000 | 4,498,000 |
| Provision for loan losses | 113,000 | 286,000 | 327,000 | 388,000 |
| Pretax income | 560,000 | 1,045,000 | 1,706,000 | 2,430,000 |
| Income tax | 189,000 | 358,000 | 604,000 | 873,000 |
| Net income | 371,000 | 687,000 | 1,102,000 | 1,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,299,000 | 11,116,000 | 11,531,000 | 12,685,000 |
| Total capital | 11,747,000 | 12,682,000 | 13,135,000 | 14,384,000 |
| Risk-weighted assets | 115,821,000 | 125,267,000 | 128,290,000 | 141,507,000 |
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