Call reports 2014
LIBERTY SAVINGS BANK, F.S.B. — 2014
What LIBERTY SAVINGS BANK, F.S.B. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 562,332,000 | 582,992,000 | 578,840,000 | 607,236,000 |
| Total loans | 375,006,000 | 418,005,000 | 428,676,000 | 463,925,000 |
| Allowance for loan losses | 7,320,000 | 8,000,000 | 6,888,000 | 6,662,000 |
| Securities available for sale | 127,050,000 | 97,551,000 | 93,829,000 | 74,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,932,000 | 418,927,000 | 414,798,000 | 416,651,000 |
| Interest-bearing deposits | 407,247,000 | 409,627,000 | 406,145,000 | 409,510,000 |
| Noninterest-bearing deposits | 8,685,000 | 9,300,000 | 8,653,000 | 7,141,000 |
| Equity capital | 71,929,000 | 73,386,000 | 73,420,000 | 74,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,711,000 | 9,491,000 | 14,323,000 | 18,970,000 |
| Interest expense | 721,000 | 1,531,000 | 2,379,000 | 3,267,000 |
| Net interest income | 3,990,000 | 7,960,000 | 11,944,000 | 15,703,000 |
| Noninterest income | 1,904,000 | 3,287,000 | 5,019,000 | 6,335,000 |
| Noninterest expense | 5,255,000 | 10,445,000 | 15,602,000 | 20,451,000 |
| Provision for loan losses | -584,000 | -585,000 | -584,000 | -584,000 |
| Pretax income | 1,223,000 | 1,420,000 | 1,978,000 | 2,216,000 |
| Income tax | 0 | 0 | 0 | 334,000 |
| Net income | 1,223,000 | 1,420,000 | 1,978,000 | 1,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,168,000 | 72,366,000 | 72,923,000 | 72,828,000 |
| Total capital | 75,828,000 | 76,250,000 | 76,751,000 | 76,886,000 |
| Risk-weighted assets | 289,137,000 | 306,565,000 | 303,223,000 | 322,004,000 |