Call reports 2013
LIBERTY SAVINGS ASSOCIATION, FSA, THE — 2013
What LIBERTY SAVINGS ASSOCIATION, FSA, THE 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 | 37,647,000 | 37,764,000 | 37,361,000 | 36,384,000 |
| Total loans | 11,663,000 | 10,702,000 | 10,136,000 | 9,758,000 |
| Allowance for loan losses | 250,000 | 205,000 | 148,000 | 138,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,916,000 | 22,526,000 | 23,502,000 | 23,229,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,161,000 | 31,224,000 | 30,775,000 | 29,940,000 |
| Interest-bearing deposits | 31,161,000 | 31,224,000 | 30,775,000 | 29,940,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 6,347,000 | 6,353,000 | 6,359,000 | 6,340,000 |
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 | 282,000 | 545,000 | 795,000 | 1,041,000 |
| Interest expense | 65,000 | 126,000 | 184,000 | 238,000 |
| Net interest income | 217,000 | 419,000 | 611,000 | 803,000 |
| Noninterest income | 8,000 | 15,000 | 22,000 | 28,000 |
| Noninterest expense | 210,000 | 429,000 | 676,000 | 905,000 |
| Provision for loan losses | 0 | -19,000 | -75,000 | -86,000 |
| Pretax income | 15,000 | 24,000 | 32,000 | 12,000 |
| Income tax | 5,000 | 8,000 | 10,000 | 9,000 |
| Net income | 10,000 | 16,000 | 22,000 | 3,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,347,000 | 6,353,000 | 6,359,000 | 6,340,000 |
| Total capital | 6,459,000 | 6,460,000 | 6,468,000 | 6,444,000 |
| Risk-weighted assets | 8,792,000 | 8,460,000 | 8,711,000 | 8,253,000 |