Call reports 2012
LIBERTY BANK FOR SAVINGS — 2012
What LIBERTY BANK FOR SAVINGS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 871,220,000 | 865,024,000 | 851,565,000 | 853,995,000 |
| Total loans | 295,970,000 | 298,334,000 | 295,861,000 | 296,489,000 |
| Allowance for loan losses | 4,514,000 | 4,438,000 | 4,900,000 | 5,070,000 |
| Securities available for sale | 546,362,000 | 519,303,000 | 529,027,000 | 520,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 660,956,000 | 662,486,000 | 652,109,000 | 657,432,000 |
| Interest-bearing deposits | 632,336,000 | 630,464,000 | 623,162,000 | 623,564,000 |
| Noninterest-bearing deposits | 28,620,000 | 32,022,000 | 28,947,000 | 33,868,000 |
| Equity capital | 180,173,000 | 181,633,000 | 183,511,000 | 182,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,307,000 | 14,322,000 | 21,024,000 | 27,455,000 |
| Interest expense | 1,413,000 | 2,746,000 | 3,994,000 | 5,168,000 |
| Net interest income | 5,894,000 | 11,576,000 | 17,030,000 | 22,287,000 |
| Noninterest income | 268,000 | 646,000 | 1,108,000 | 1,451,000 |
| Noninterest expense | 4,471,000 | 8,656,000 | 12,883,000 | 16,948,000 |
| Provision for loan losses | 932,000 | 1,413,000 | 1,883,000 | 2,444,000 |
| Pretax income | 1,121,000 | 2,552,000 | 3,791,000 | 4,765,000 |
| Income tax | 284,000 | 681,000 | 1,008,000 | 1,192,000 |
| Net income | 837,000 | 1,871,000 | 2,783,000 | 3,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,400,000 | 170,435,000 | 171,349,000 | 172,144,000 |
| Total capital | 173,169,000 | 174,161,000 | 175,093,000 | 175,890,000 |
| Risk-weighted assets | 300,763,000 | 297,359,000 | 298,369,000 | 298,336,000 |