Call reports 2015
LIBERTY BANK FOR SAVINGS — 2015
What LIBERTY BANK FOR SAVINGS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 831,634,000 | 846,297,000 | 820,282,000 | 819,584,000 |
| Total loans | 346,131,000 | 370,196,000 | 383,403,000 | 389,117,000 |
| Allowance for loan losses | 3,641,000 | 3,596,000 | 3,594,000 | 3,592,000 |
| Securities available for sale | 456,362,000 | 448,728,000 | 403,848,000 | 390,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 629,809,000 | 630,670,000 | 622,978,000 | 624,668,000 |
| Interest-bearing deposits | 592,284,000 | 588,144,000 | 584,737,000 | 579,385,000 |
| Noninterest-bearing deposits | 37,525,000 | 42,526,000 | 38,241,000 | 45,283,000 |
| Equity capital | 186,222,000 | 185,229,000 | 187,147,000 | 186,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,635,000 | 11,400,000 | 17,175,000 | 22,877,000 |
| Interest expense | 778,000 | 1,504,000 | 2,202,000 | 2,832,000 |
| Net interest income | 4,857,000 | 9,896,000 | 14,973,000 | 20,045,000 |
| Noninterest income | 354,000 | 689,000 | 1,071,000 | 1,464,000 |
| Noninterest expense | 4,228,000 | 8,217,000 | 12,311,000 | 16,454,000 |
| Provision for loan losses | -89,000 | -138,000 | -134,000 | -95,000 |
| Pretax income | 1,093,000 | 2,533,000 | 3,913,000 | 5,211,000 |
| Income tax | 294,000 | 724,000 | 1,131,000 | 1,496,000 |
| Net income | 799,000 | 1,809,000 | 2,782,000 | 3,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 179,905,000 | 180,915,000 | 181,888,000 | 182,821,000 |
| Total capital | 183,546,000 | 184,511,000 | 185,482,000 | 186,413,000 |
| Risk-weighted assets | 316,449,000 | 326,451,000 | 322,568,000 | 325,142,000 |