Call reports 2015
LIBERTYVILLE SAVINGS BANK — 2015
What LIBERTYVILLE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 325,711,000 | 318,382,000 | 323,199,000 | 330,425,000 |
| Total loans | 172,786,000 | 181,460,000 | 189,790,000 | 196,697,000 |
| Allowance for loan losses | 1,989,000 | 2,073,000 | 2,238,000 | 2,395,000 |
| Securities available for sale | 103,739,000 | 100,049,000 | 97,377,000 | 91,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,295,000 | 258,590,000 | 257,358,000 | 264,459,000 |
| Interest-bearing deposits | 226,113,000 | 223,080,000 | 221,127,000 | 222,564,000 |
| Noninterest-bearing deposits | 38,182,000 | 35,510,000 | 36,231,000 | 41,895,000 |
| Equity capital | 37,326,000 | 35,822,000 | 36,807,000 | 37,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,923,000 | 5,983,000 | 9,185,000 | 12,145,000 |
| Interest expense | 450,000 | 912,000 | 1,382,000 | 1,883,000 |
| Net interest income | 2,473,000 | 5,071,000 | 7,803,000 | 10,262,000 |
| Noninterest income | 286,000 | 485,000 | 687,000 | 988,000 |
| Noninterest expense | 1,260,000 | 3,507,000 | 5,267,000 | 7,445,000 |
| Provision for loan losses | 75,000 | 150,000 | 325,000 | 475,000 |
| Pretax income | 1,616,000 | 2,140,000 | 3,024,000 | 3,649,000 |
| Income tax | 169,000 | 169,000 | 169,000 | 196,000 |
| Net income | 1,447,000 | 1,971,000 | 2,855,000 | 3,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,005,000 | 32,130,000 | 32,582,000 | 32,654,000 |
| Total capital | 33,994,000 | 34,203,000 | 34,820,000 | 35,049,000 |
| Risk-weighted assets | 226,357,000 | 235,478,000 | 246,263,000 | 256,600,000 |