Call reports 2012
LIBERTY SAVINGS BANK, FSB — 2012
What LIBERTY SAVINGS BANK, FSB 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 | 30,845,000 | 30,239,000 | 31,229,000 | 30,339,000 |
| Total loans | 23,674,000 | 24,423,000 | 24,095,000 | 23,040,000 |
| Allowance for loan losses | 225,000 | 193,000 | 218,000 | 243,000 |
| Securities available for sale | 839,000 | 434,000 | 229,000 | 225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,891,000 | 27,262,000 | 27,880,000 | 27,114,000 |
| Interest-bearing deposits | 24,561,000 | 23,993,000 | 25,349,000 | 24,146,000 |
| Noninterest-bearing deposits | 1,330,000 | 3,269,000 | 2,531,000 | 2,967,000 |
| Equity capital | 3,324,000 | 2,783,000 | 3,235,000 | 3,074,000 |
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 | 373,000 | 723,000 | 1,064,000 | 1,397,000 |
| Interest expense | 49,000 | 99,000 | 145,000 | 185,000 |
| Net interest income | 324,000 | 624,000 | 919,000 | 1,212,000 |
| Noninterest income | 14,000 | 99,000 | 232,000 | 300,000 |
| Noninterest expense | 416,000 | 820,000 | 1,229,000 | 1,688,000 |
| Provision for loan losses | 70,000 | 88,000 | 106,000 | 169,000 |
| Pretax income | -148,000 | -185,000 | -184,000 | -345,000 |
| Income tax | -52,000 | 353,000 | 353,000 | 353,000 |
| Net income | -96,000 | -538,000 | -537,000 | -698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,065,000 | 2,772,000 | 3,224,000 | 3,063,000 |
| Total capital | 3,280,000 | 2,965,000 | 3,411,000 | 3,299,000 |
| Risk-weighted assets | 17,218,000 | 15,565,000 | 18,702,000 | 18,927,000 |