Call reports 2012
LIBERTY SAVINGS BANK, FSB — 2012
What LIBERTY SAVINGS BANK, FSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 67,712,000 | 65,918,000 | 63,898,000 | 61,995,000 |
| Total loans | 42,953,000 | 41,659,000 | 39,512,000 | 37,403,000 |
| Allowance for loan losses | 795,000 | 730,000 | 730,000 | 715,000 |
| Securities available for sale | 7,372,000 | 13,237,000 | 12,752,000 | 12,187,000 |
| Securities held to maturity | 357,000 | 346,000 | 335,000 | 324,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,837,000 | 61,310,000 | 59,062,000 | 57,283,000 |
| Interest-bearing deposits | 61,462,000 | 59,535,000 | 57,525,000 | 55,993,000 |
| Noninterest-bearing deposits | 1,375,000 | 1,775,000 | 1,537,000 | 1,290,000 |
| Equity capital | 4,402,000 | 4,260,000 | 4,375,000 | 4,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 645,000 | 1,245,000 | 1,881,000 | 2,469,000 |
| Interest expense | 147,000 | 282,000 | 402,000 | 509,000 |
| Net interest income | 498,000 | 963,000 | 1,479,000 | 1,960,000 |
| Noninterest income | 36,000 | -12,000 | 16,000 | 67,000 |
| Noninterest expense | 468,000 | 970,000 | 1,463,000 | 1,972,000 |
| Provision for loan losses | 24,000 | 57,000 | 57,000 | 57,000 |
| Pretax income | 188,000 | 70,000 | 121,000 | 144,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 188,000 | 70,000 | 121,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,362,000 | 4,245,000 | 4,295,000 | 4,317,000 |
| Total capital | 4,767,000 | 4,628,000 | 4,667,000 | 4,665,000 |
| Risk-weighted assets | 32,011,000 | 30,281,000 | 29,411,000 | 27,485,000 |