Call reports 2003
FIRST LIBERTY BANK — 2003
What FIRST 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 | 26,694,000 | 27,448,000 | 26,643,000 | 26,525,000 |
| Total loans | 4,470,000 | 3,289,000 | 2,517,000 | 3,623,000 |
| Allowance for loan losses | 160,000 | 159,000 | 157,000 | 159,000 |
| Securities available for sale | 20,612,000 | 22,107,000 | 22,726,000 | 21,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,814,000 | 16,034,000 | 15,917,000 | 15,587,000 |
| Interest-bearing deposits | 12,553,000 | 12,392,000 | 12,525,000 | 11,950,000 |
| Noninterest-bearing deposits | 3,261,000 | 3,642,000 | 3,392,000 | 3,637,000 |
| Equity capital | 5,662,000 | 5,893,000 | 5,460,000 | 5,670,000 |
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 | 310,000 | 598,000 | 844,000 | 1,116,000 |
| Interest expense | 79,000 | 153,000 | 226,000 | 298,000 |
| Net interest income | 231,000 | 445,000 | 618,000 | 818,000 |
| Noninterest income | 32,000 | 65,000 | 95,000 | 125,000 |
| Noninterest expense | 105,000 | 202,000 | 301,000 | 405,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 158,000 | 311,000 | 424,000 | 548,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 158,000 | 311,000 | 424,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,409,000 | 5,476,000 | 5,488,000 | 5,615,000 |
| Total capital | 5,542,000 | 5,588,000 | 5,595,000 | 5,727,000 |
| Risk-weighted assets | 10,637,000 | 8,903,000 | 8,529,000 | 9,071,000 |