Call reports 2015
LIBERTY SAVINGS BANK, F.S.B. — 2015
What LIBERTY SAVINGS BANK, F.S.B. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 620,246,000 | 617,389,000 | 646,639,000 | 621,543,000 |
| Total loans | 488,468,000 | 515,474,000 | 562,250,000 | 538,080,000 |
| Allowance for loan losses | 7,153,000 | 7,460,000 | 7,911,000 | 5,432,000 |
| Securities available for sale | 37,873,000 | 35,792,000 | 34,149,000 | 32,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,195,000 | 434,561,000 | 410,100,000 | 403,952,000 |
| Interest-bearing deposits | 426,850,000 | 418,143,000 | 401,494,000 | 398,996,000 |
| Noninterest-bearing deposits | 7,345,000 | 16,418,000 | 8,606,000 | 4,956,000 |
| Equity capital | 74,830,000 | 77,078,000 | 77,879,000 | 78,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,763,000 | 10,162,000 | 15,087,000 | 20,282,000 |
| Interest expense | 1,117,000 | 2,255,000 | 3,387,000 | 4,565,000 |
| Net interest income | 3,646,000 | 7,907,000 | 11,700,000 | 15,717,000 |
| Noninterest income | 1,219,000 | 2,720,000 | 4,193,000 | 6,052,000 |
| Noninterest expense | 4,319,000 | 9,420,000 | 13,934,000 | 17,668,000 |
| Provision for loan losses | 0 | -1,960,000 | -1,960,000 | -4,684,000 |
| Pretax income | 552,000 | 3,173,000 | 3,925,000 | 8,791,000 |
| Income tax | 38,000 | 75,000 | 113,000 | 150,000 |
| Net income | 514,000 | 3,098,000 | 3,812,000 | 8,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,341,000 | 75,926,000 | 76,641,000 | 77,317,000 |
| Total capital | 77,560,000 | 80,248,000 | 81,361,000 | 81,800,000 |
| Risk-weighted assets | 334,664,000 | 342,649,000 | 374,468,000 | 357,700,000 |