Call reports 2010
LIBERTY BANK FOR SAVINGS — 2010
What LIBERTY BANK FOR SAVINGS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 832,815,000 | 860,296,000 | 861,096,000 | 846,228,000 |
| Total loans | 310,803,000 | 306,445,000 | 303,540,000 | 294,182,000 |
| Allowance for loan losses | 2,756,000 | 3,060,000 | 3,402,000 | 4,115,000 |
| Securities available for sale | 477,913,000 | 515,775,000 | 515,803,000 | 520,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 653,293,000 | 669,113,000 | 671,339,000 | 662,401,000 |
| Interest-bearing deposits | 631,188,000 | 645,560,000 | 644,855,000 | 637,727,000 |
| Noninterest-bearing deposits | 22,105,000 | 23,553,000 | 26,484,000 | 24,674,000 |
| Equity capital | 168,284,000 | 173,636,000 | 175,274,000 | 172,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,815,000 | 17,421,000 | 25,907,000 | 34,109,000 |
| Interest expense | 2,665,000 | 5,291,000 | 7,790,000 | 9,993,000 |
| Net interest income | 6,150,000 | 12,130,000 | 18,117,000 | 24,116,000 |
| Noninterest income | 368,000 | 685,000 | 1,048,000 | 1,623,000 |
| Noninterest expense | 4,687,000 | 8,756,000 | 12,801,000 | 16,770,000 |
| Provision for loan losses | 640,000 | 944,000 | 1,590,000 | 2,635,000 |
| Pretax income | 1,233,000 | 3,157,000 | 4,897,000 | 6,573,000 |
| Income tax | 305,000 | 872,000 | 1,371,000 | 1,748,000 |
| Net income | 928,000 | 2,285,000 | 3,526,000 | 4,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 160,242,000 | 161,600,000 | 162,842,000 | 164,148,000 |
| Total capital | 163,127,000 | 164,766,000 | 166,348,000 | 168,043,000 |
| Risk-weighted assets | 306,564,000 | 308,902,000 | 307,706,000 | 301,602,000 |