Call reports 2014
LIBERTY SAVINGS BANK, FSB — 2014
What LIBERTY SAVINGS BANK, FSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 59,236,000 | 57,805,000 | 56,632,000 | 58,868,000 |
| Total loans | 30,681,000 | 30,530,000 | 30,784,000 | 30,837,000 |
| Allowance for loan losses | 627,000 | 609,000 | 609,000 | 576,000 |
| Securities available for sale | 9,486,000 | 8,962,000 | 8,470,000 | 9,098,000 |
| Securities held to maturity | 266,000 | 253,000 | 242,000 | 235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,186,000 | 53,655,000 | 52,670,000 | 55,101,000 |
| Interest-bearing deposits | 51,751,000 | 50,745,000 | 50,122,000 | 52,726,000 |
| Noninterest-bearing deposits | 3,435,000 | 2,910,000 | 2,548,000 | 2,375,000 |
| Equity capital | 3,845,000 | 3,815,000 | 3,694,000 | 3,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 462,000 | 899,000 | 1,333,000 | 1,767,000 |
| Interest expense | 78,000 | 155,000 | 231,000 | 305,000 |
| Net interest income | 384,000 | 744,000 | 1,102,000 | 1,462,000 |
| Noninterest income | 20,000 | 72,000 | 123,000 | 127,000 |
| Noninterest expense | 537,000 | 1,060,000 | 1,583,000 | 2,173,000 |
| Provision for loan losses | 0 | -18,000 | -18,000 | -18,000 |
| Pretax income | -133,000 | -226,000 | -340,000 | -566,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -133,000 | -226,000 | -340,000 | -566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,886,000 | 3,793,000 | 3,678,000 | 3,452,000 |
| Total capital | 4,190,000 | 4,091,000 | 3,977,000 | 3,754,000 |
| Risk-weighted assets | 24,021,000 | 23,507,000 | 23,648,000 | 23,869,000 |