Call reports 2013
LIBERTY BANK FOR SAVINGS — 2013
What LIBERTY BANK FOR SAVINGS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 847,494,000 | 842,619,000 | 833,630,000 | 829,369,000 |
| Total loans | 297,102,000 | 305,227,000 | 323,728,000 | 323,133,000 |
| Allowance for loan losses | 5,284,000 | 4,263,000 | 4,474,000 | 4,466,000 |
| Securities available for sale | 503,100,000 | 510,800,000 | 481,134,000 | 476,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 649,807,000 | 650,879,000 | 639,402,000 | 640,166,000 |
| Interest-bearing deposits | 616,880,000 | 615,237,000 | 605,294,000 | 603,537,000 |
| Noninterest-bearing deposits | 32,927,000 | 35,642,000 | 34,108,000 | 36,629,000 |
| Equity capital | 183,494,000 | 177,951,000 | 179,180,000 | 178,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,239,000 | 12,246,000 | 18,297,000 | 24,385,000 |
| Interest expense | 1,090,000 | 2,163,000 | 3,180,000 | 4,076,000 |
| Net interest income | 5,149,000 | 10,083,000 | 15,117,000 | 20,309,000 |
| Noninterest income | 369,000 | 734,000 | 1,050,000 | 1,365,000 |
| Noninterest expense | 3,958,000 | 7,935,000 | 11,704,000 | 15,630,000 |
| Provision for loan losses | 942,000 | 1,386,000 | 1,658,000 | 1,716,000 |
| Pretax income | 621,000 | 1,513,000 | 3,197,000 | 4,672,000 |
| Income tax | 63,000 | 237,000 | 739,000 | 1,192,000 |
| Net income | 558,000 | 1,276,000 | 2,458,000 | 3,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 172,699,000 | 173,419,000 | 174,602,000 | 175,625,000 |
| Total capital | 176,514,000 | 177,227,000 | 178,451,000 | 179,451,000 |
| Risk-weighted assets | 303,720,000 | 304,164,000 | 307,283,000 | 305,408,000 |