Call reports 2020
LIBERTY SAVINGS BANK, F.S.B. — 2020
What LIBERTY SAVINGS BANK, F.S.B. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 710,500,000 | 818,484,000 | 800,800,000 | 923,788,000 |
| Total loans | 473,124,000 | 599,977,000 | 578,717,000 | 603,295,000 |
| Allowance for loan losses | 4,853,000 | 5,405,000 | 5,709,000 | 5,353,000 |
| Securities available for sale | 186,911,000 | 166,427,000 | 177,209,000 | 254,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,232,000 | 720,517,000 | 697,550,000 | 812,645,000 |
| Interest-bearing deposits | 401,740,000 | 564,551,000 | 564,503,000 | 621,434,000 |
| Noninterest-bearing deposits | 41,492,000 | 155,966,000 | 133,047,000 | 191,211,000 |
| Equity capital | 67,648,000 | 74,692,000 | 80,644,000 | 87,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,787,000 | 12,506,000 | 19,638,000 | 27,954,000 |
| Interest expense | 2,334,000 | 3,954,000 | 5,415,000 | 6,681,000 |
| Net interest income | 3,453,000 | 8,552,000 | 14,223,000 | 21,273,000 |
| Noninterest income | 6,774,000 | 8,785,000 | 12,867,000 | 16,331,000 |
| Noninterest expense | 3,167,000 | 5,403,000 | 9,289,000 | 14,811,000 |
| Provision for loan losses | 0 | 660,000 | 1,028,000 | 298,000 |
| Pretax income | 7,119,000 | 11,166,000 | 16,665,000 | 22,387,000 |
| Income tax | 20,000 | 39,000 | 57,000 | 75,000 |
| Net income | 7,099,000 | 11,127,000 | 16,608,000 | 22,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,281,000 | 71,307,000 | 76,788,000 | 82,492,000 |
| Total capital | 71,345,000 | 76,317,000 | 81,875,000 | 87,845,000 |
| Risk-weighted assets | 324,349,000 | 400,456,000 | 406,384,000 | 451,301,000 |