Call reports 2012
LIBERTY SAVINGS ASSOCIATION, FSA, THE — 2012
What LIBERTY SAVINGS ASSOCIATION, FSA, THE 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 | 38,515,000 | 37,905,000 | 37,888,000 | 38,156,000 |
| Total loans | 12,969,000 | 12,344,000 | 12,263,000 | 12,111,000 |
| Allowance for loan losses | 246,000 | 247,000 | 249,000 | 250,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,171,000 | 23,862,000 | 23,062,000 | 23,157,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,070,000 | 31,427,000 | 31,370,000 | 31,699,000 |
| Interest-bearing deposits | 32,034,000 | 31,391,000 | 31,335,000 | 31,699,000 |
| Noninterest-bearing deposits | 36,000 | 36,000 | 35,000 | 0 |
| Equity capital | 6,300,000 | 6,318,000 | 6,339,000 | 6,337,000 |
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 | 309,000 | 611,000 | 908,000 | 1,198,000 |
| Interest expense | 77,000 | 151,000 | 222,000 | 289,000 |
| Net interest income | 232,000 | 460,000 | 686,000 | 909,000 |
| Noninterest income | 15,000 | 23,000 | 32,000 | 40,000 |
| Noninterest expense | 212,000 | 422,000 | 625,000 | 843,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 35,000 | 61,000 | 93,000 | 106,000 |
| Income tax | 0 | 8,000 | 19,000 | 34,000 |
| Net income | 35,000 | 53,000 | 74,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,300,000 | 6,318,000 | 6,339,000 | 6,337,000 |
| Total capital | 6,425,000 | 6,435,000 | 6,455,000 | 6,453,000 |
| Risk-weighted assets | 9,851,000 | 9,215,000 | 9,171,000 | 9,126,000 |