Call reports 2014
LIBERTY BANK FOR SAVINGS — 2014
What LIBERTY BANK FOR SAVINGS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 828,107,000 | 828,697,000 | 824,049,000 | 830,487,000 |
| Total loans | 321,249,000 | 320,391,000 | 329,497,000 | 333,532,000 |
| Allowance for loan losses | 4,608,000 | 4,768,000 | 4,500,000 | 3,846,000 |
| Securities available for sale | 467,369,000 | 465,885,000 | 461,626,000 | 455,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 635,546,000 | 633,764,000 | 627,129,000 | 635,512,000 |
| Interest-bearing deposits | 599,883,000 | 594,128,000 | 589,990,000 | 595,494,000 |
| Noninterest-bearing deposits | 35,663,000 | 39,636,000 | 37,139,000 | 40,018,000 |
| Equity capital | 180,655,000 | 183,821,000 | 183,515,000 | 184,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,858,000 | 11,582,000 | 17,385,000 | 23,011,000 |
| Interest expense | 841,000 | 1,653,000 | 2,451,000 | 3,266,000 |
| Net interest income | 5,017,000 | 9,929,000 | 14,934,000 | 19,745,000 |
| Noninterest income | 427,000 | 744,000 | 1,098,000 | 1,423,000 |
| Noninterest expense | 4,092,000 | 8,131,000 | 12,080,000 | 16,117,000 |
| Provision for loan losses | 186,000 | 134,000 | 142,000 | 236,000 |
| Pretax income | 1,166,000 | 2,408,000 | 3,810,000 | 4,815,000 |
| Income tax | 322,000 | 665,000 | 1,087,000 | 1,356,000 |
| Net income | 844,000 | 1,743,000 | 2,723,000 | 3,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 176,470,000 | 177,370,000 | 178,350,000 | 179,087,000 |
| Total capital | 180,265,000 | 181,147,000 | 182,167,000 | 182,933,000 |
| Risk-weighted assets | 302,810,000 | 301,191,000 | 304,643,000 | 307,704,000 |