Call reports 2013
LIBERTY SAVINGS BANK, F.S.B. — 2013
What LIBERTY SAVINGS BANK, F.S.B. 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 | 545,746,000 | 577,168,000 | 555,525,000 | 559,172,000 |
| Total loans | 344,284,000 | 358,017,000 | 349,144,000 | 382,159,000 |
| Allowance for loan losses | 8,509,000 | 8,740,000 | 8,496,000 | 7,950,000 |
| Securities available for sale | 104,557,000 | 114,509,000 | 121,755,000 | 108,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,574,000 | 436,499,000 | 433,755,000 | 424,337,000 |
| Interest-bearing deposits | 408,366,000 | 417,382,000 | 413,213,000 | 415,591,000 |
| Noninterest-bearing deposits | 24,208,000 | 19,117,000 | 20,542,000 | 8,746,000 |
| Equity capital | 82,553,000 | 82,982,000 | 72,689,000 | 69,972,000 |
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 | 4,210,000 | 9,039,000 | 13,830,000 | 18,355,000 |
| Interest expense | 722,000 | 1,478,000 | 2,280,000 | 3,009,000 |
| Net interest income | 3,488,000 | 7,561,000 | 11,550,000 | 15,346,000 |
| Noninterest income | 3,031,000 | 10,270,000 | 16,523,000 | 17,890,000 |
| Noninterest expense | 7,527,000 | 14,341,000 | 21,079,000 | 27,737,000 |
| Provision for loan losses | 404,000 | 1,587,000 | 2,115,000 | 2,140,000 |
| Pretax income | -1,412,000 | 1,937,000 | 4,913,000 | 3,465,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,412,000 | 1,937,000 | 4,913,000 | 3,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,518,000 | 82,870,000 | 72,395,000 | 70,946,000 |
| Total capital | 83,654,000 | 87,000,000 | 75,882,000 | 74,497,000 |
| Risk-weighted assets | 326,467,000 | 326,099,000 | 274,213,000 | 279,852,000 |