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 | 119,713,000 | 125,423,000 | 132,675,000 | 135,994,000 |
| Total loans | 83,914,000 | 91,378,000 | 88,118,000 | 94,007,000 |
| Allowance for loan losses | 1,209,000 | 1,240,000 | 1,221,000 | 1,251,000 |
| Securities available for sale | 14,209,000 | 12,356,000 | 11,655,000 | 11,164,000 |
| Securities held to maturity | 11,675,000 | 11,574,000 | 22,404,000 | 21,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,724,000 | 113,161,000 | 120,308,000 | 123,601,000 |
| Interest-bearing deposits | 86,068,000 | 90,807,000 | 94,727,000 | 100,956,000 |
| Noninterest-bearing deposits | 21,656,000 | 22,355,000 | 25,582,000 | 22,645,000 |
| Equity capital | 11,630,000 | 11,919,000 | 12,035,000 | 12,162,000 |
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 | 1,605,000 | 3,307,000 | 4,962,000 | 6,626,000 |
| Interest expense | 271,000 | 529,000 | 776,000 | 1,030,000 |
| Net interest income | 1,334,000 | 2,778,000 | 4,186,000 | 5,596,000 |
| Noninterest income | 114,000 | 229,000 | 351,000 | 465,000 |
| Noninterest expense | 1,139,000 | 2,251,000 | 3,407,000 | 4,569,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 279,000 | 696,000 | 1,117,000 | 1,449,000 |
| Income tax | 118,000 | 294,000 | 489,000 | 608,000 |
| Net income | 161,000 | 402,000 | 628,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,650,000 | 11,826,000 | 11,977,000 | 12,108,000 |
| Total capital | 12,859,000 | 13,066,000 | 13,198,000 | 13,359,000 |
| Risk-weighted assets | 109,282,000 | 113,218,000 | 118,757,000 | 129,953,000 |