Call reports 2011
LIBERTY BANK FOR SAVINGS — 2011
What LIBERTY BANK FOR SAVINGS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 855,454,000 | 875,355,000 | 862,114,000 | 882,251,000 |
| Total loans | 290,878,000 | 286,581,000 | 282,281,000 | 287,917,000 |
| Allowance for loan losses | 4,310,000 | 4,934,000 | 3,551,000 | 3,588,000 |
| Securities available for sale | 538,556,000 | 544,217,000 | 539,118,000 | 564,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 665,033,000 | 668,554,000 | 668,663,000 | 663,412,000 |
| Interest-bearing deposits | 639,508,000 | 642,423,000 | 639,729,000 | 634,552,000 |
| Noninterest-bearing deposits | 25,525,000 | 26,131,000 | 28,934,000 | 28,860,000 |
| Equity capital | 172,087,000 | 175,858,000 | 179,866,000 | 180,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,005,000 | 15,899,000 | 23,627,000 | 31,161,000 |
| Interest expense | 2,055,000 | 4,007,000 | 5,720,000 | 7,230,000 |
| Net interest income | 5,950,000 | 11,892,000 | 17,907,000 | 23,931,000 |
| Noninterest income | 214,000 | 491,000 | 788,000 | 1,021,000 |
| Noninterest expense | 4,606,000 | 8,702,000 | 12,813,000 | 16,899,000 |
| Provision for loan losses | 365,000 | 989,000 | 1,588,000 | 2,237,000 |
| Pretax income | 1,387,000 | 2,886,000 | 4,488,000 | 6,089,000 |
| Income tax | 367,000 | 779,000 | 1,235,000 | 1,690,000 |
| Net income | 1,020,000 | 2,107,000 | 3,253,000 | 4,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 165,170,000 | 166,259,000 | 167,408,000 | 168,558,000 |
| Total capital | 168,956,000 | 170,046,000 | 170,959,000 | 172,146,000 |
| Risk-weighted assets | 302,334,000 | 301,819,000 | 295,150,000 | 300,804,000 |