Call reports 2016
LIBERTY SAVINGS BANK, F.S.B. — 2016
What LIBERTY SAVINGS BANK, F.S.B. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 610,553,000 | 638,973,000 | 673,558,000 | 629,495,000 |
| Total loans | 528,129,000 | 549,848,000 | 584,786,000 | 554,422,000 |
| Allowance for loan losses | 5,602,000 | 5,852,000 | 6,072,000 | 6,309,000 |
| Securities available for sale | 29,975,000 | 30,155,000 | 29,333,000 | 17,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,515,000 | 417,080,000 | 408,272,000 | 383,088,000 |
| Interest-bearing deposits | 409,937,000 | 411,611,000 | 402,916,000 | 378,349,000 |
| Noninterest-bearing deposits | 9,578,000 | 5,469,000 | 5,356,000 | 4,739,000 |
| Equity capital | 79,834,000 | 72,672,000 | 60,648,000 | 62,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,968,000 | 10,154,000 | 15,509,000 | 21,066,000 |
| Interest expense | 1,148,000 | 2,310,000 | 3,459,000 | 4,573,000 |
| Net interest income | 3,820,000 | 7,844,000 | 12,050,000 | 16,493,000 |
| Noninterest income | 1,261,000 | 3,083,000 | 5,280,000 | 7,385,000 |
| Noninterest expense | 4,195,000 | 8,531,000 | 12,524,000 | 16,293,000 |
| Provision for loan losses | 0 | -1,514,000 | -1,514,000 | -1,514,000 |
| Pretax income | 2,206,000 | 5,319,000 | 7,795,000 | 10,835,000 |
| Income tax | 35,000 | 70,000 | 80,000 | 86,000 |
| Net income | 2,171,000 | 5,249,000 | 7,715,000 | 10,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,487,000 | 71,753,000 | 60,142,000 | 63,175,000 |
| Total capital | 83,994,000 | 76,360,000 | 64,829,000 | 67,642,000 |
| Risk-weighted assets | 359,538,000 | 367,387,000 | 373,597,000 | 355,583,000 |