Call reports 2013
LIBERTY SAVINGS BANK, FSB — 2013
What LIBERTY SAVINGS BANK, FSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 62,948,000 | 61,527,000 | 58,553,000 | 59,059,000 |
| Total loans | 35,115,000 | 33,700,000 | 32,835,000 | 32,295,000 |
| Allowance for loan losses | 716,000 | 678,000 | 639,000 | 640,000 |
| Securities available for sale | 10,721,000 | 11,574,000 | 10,436,000 | 9,908,000 |
| Securities held to maturity | 310,000 | 298,000 | 281,000 | 273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,297,000 | 57,112,000 | 54,308,000 | 54,896,000 |
| Interest-bearing deposits | 56,616,000 | 55,314,000 | 52,218,000 | 53,271,000 |
| Noninterest-bearing deposits | 1,681,000 | 1,798,000 | 2,090,000 | 1,625,000 |
| Equity capital | 4,366,000 | 4,194,000 | 4,054,000 | 3,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 556,000 | 1,073,000 | 1,548,000 | 2,029,000 |
| Interest expense | 98,000 | 190,000 | 281,000 | 363,000 |
| Net interest income | 458,000 | 883,000 | 1,267,000 | 1,666,000 |
| Noninterest income | 32,000 | 63,000 | 89,000 | 107,000 |
| Noninterest expense | 535,000 | 1,075,000 | 1,562,000 | 2,072,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -45,000 | -129,000 | -206,000 | -299,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -45,000 | -129,000 | -206,000 | -299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,272,000 | 4,189,000 | 4,112,000 | 4,018,000 |
| Total capital | 4,610,000 | 4,508,000 | 4,421,000 | 4,328,000 |
| Risk-weighted assets | 26,669,000 | 25,138,000 | 24,428,000 | 24,432,000 |