Call reports 2012
LIBERTY FEDERAL SAVINGS BANK — 2012
What LIBERTY FEDERAL SAVINGS BANK 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 | 120,839,000 | 118,235,000 | 115,575,000 | 111,602,000 |
| Total loans | 79,948,000 | 78,423,000 | 72,042,000 | 64,785,000 |
| Allowance for loan losses | 2,082,000 | 2,114,000 | 2,080,000 | 2,024,000 |
| Securities available for sale | 11,470,000 | 11,439,000 | 10,991,000 | 19,997,000 |
| Securities held to maturity | 96,000 | 93,000 | 88,000 | 84,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,634,000 | 113,855,000 | 111,193,000 | 107,183,000 |
| Interest-bearing deposits | 110,868,000 | 108,738,000 | 106,746,000 | 102,790,000 |
| Noninterest-bearing deposits | 5,766,000 | 5,117,000 | 4,447,000 | 4,393,000 |
| Equity capital | 3,745,000 | 3,156,000 | 3,165,000 | 3,374,000 |
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 | 1,048,000 | 2,123,000 | 3,095,000 | 3,979,000 |
| Interest expense | 387,000 | 727,000 | 1,030,000 | 1,292,000 |
| Net interest income | 661,000 | 1,396,000 | 2,065,000 | 2,687,000 |
| Noninterest income | -731,000 | -417,000 | -238,000 | 78,000 |
| Noninterest expense | 1,011,000 | 2,045,000 | 3,018,000 | 3,861,000 |
| Provision for loan losses | 185,000 | 218,000 | 185,000 | 84,000 |
| Pretax income | -1,266,000 | -1,284,000 | -1,376,000 | -1,180,000 |
| Income tax | 0 | 24,000 | 24,000 | 24,000 |
| Net income | -1,266,000 | -1,308,000 | -1,400,000 | -1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,953,000 | 3,912,000 | 3,820,000 | 4,017,000 |
| Total capital | 4,958,000 | 4,877,000 | 4,727,000 | 4,810,000 |
| Risk-weighted assets | 79,303,000 | 76,041,000 | 71,350,000 | 62,184,000 |