Call reports 2013
LIBERTY BANK, F.S.B. — 2013
What LIBERTY BANK, F.S.B. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Total assets | 332,513,000 | 289,585,000 | 267,458,000 |
| Total loans | 195,846,000 | 166,129,000 | 138,382,000 |
| Allowance for loan losses | 13,160,000 | 10,274,000 | 9,857,000 |
| Securities available for sale | 34,589,000 | 29,087,000 | 21,373,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 285,206,000 | 244,435,000 | 224,416,000 |
| Interest-bearing deposits | 244,006,000 | 204,541,000 | 180,909,000 |
| Noninterest-bearing deposits | 41,200,000 | 39,894,000 | 43,507,000 |
| Equity capital | 19,365,000 | 17,418,000 | 15,711,000 |
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 |
|---|---|---|---|
| Interest income | 2,661,000 | 5,485,000 | 7,352,000 |
| Interest expense | 883,000 | 1,629,000 | 2,254,000 |
| Net interest income | 1,778,000 | 3,856,000 | 5,098,000 |
| Noninterest income | 1,081,000 | 2,179,000 | 3,182,000 |
| Noninterest expense | 5,252,000 | 10,186,000 | 14,109,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | -2,393,000 | -4,151,000 | -5,829,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -2,393,000 | -4,151,000 | -5,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Tier 1 capital | 19,296,000 | 17,539,000 | 15,860,000 |
| Total capital | 21,932,000 | 19,764,000 | 17,711,000 |
| Risk-weighted assets | 200,386,000 | 169,939,000 | 140,069,000 |