Call reports 2019
LIBERTY BANK FOR SAVINGS — 2019
What LIBERTY BANK FOR SAVINGS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 819,853,000 | 830,966,000 | 825,661,000 | 844,942,000 |
| Total loans | 456,370,000 | 456,898,000 | 472,136,000 | 483,401,000 |
| Allowance for loan losses | 3,278,000 | 3,272,000 | 3,307,000 | 3,292,000 |
| Securities available for sale | 332,365,000 | 340,428,000 | 326,195,000 | 332,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 616,176,000 | 623,428,000 | 617,062,000 | 635,109,000 |
| Interest-bearing deposits | 568,367,000 | 574,870,000 | 573,646,000 | 589,450,000 |
| Noninterest-bearing deposits | 47,809,000 | 48,558,000 | 43,416,000 | 45,659,000 |
| Equity capital | 194,392,000 | 197,465,000 | 199,093,000 | 200,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,239,000 | 12,494,000 | 18,802,000 | 25,132,000 |
| Interest expense | 1,201,000 | 2,569,000 | 4,035,000 | 5,526,000 |
| Net interest income | 5,038,000 | 9,925,000 | 14,767,000 | 19,606,000 |
| Noninterest income | 393,000 | 733,000 | 1,130,000 | 1,499,000 |
| Noninterest expense | 4,479,000 | 8,744,000 | 12,917,000 | 17,076,000 |
| Provision for loan losses | -2,000 | -6,000 | -6,000 | -8,000 |
| Pretax income | 954,000 | 1,920,000 | 3,000,000 | 4,051,000 |
| Income tax | 192,000 | 397,000 | 634,000 | 864,000 |
| Net income | 762,000 | 1,523,000 | 2,366,000 | 3,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 193,623,000 | 194,384,000 | 195,228,000 | 196,048,000 |
| Total capital | 196,901,000 | 197,656,000 | 198,535,000 | 199,340,000 |
| Risk-weighted assets | 344,800,000 | 346,468,000 | 354,698,000 | 358,805,000 |