Call reports 2013
LIBERTY FEDERAL SAVINGS BANK — 2013
What LIBERTY FEDERAL SAVINGS BANK 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 | 108,741,000 | 105,933,000 | 103,247,000 | 99,770,000 |
| Total loans | 62,566,000 | 59,664,000 | 57,956,000 | 53,530,000 |
| Allowance for loan losses | 2,144,000 | 1,946,000 | 1,757,000 | 1,374,000 |
| Securities available for sale | 19,081,000 | 17,543,000 | 15,799,000 | 14,612,000 |
| Securities held to maturity | 79,000 | 76,000 | 73,000 | 69,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,074,000 | 101,258,000 | 98,490,000 | 95,705,000 |
| Interest-bearing deposits | 99,837,000 | 97,093,000 | 93,955,000 | 91,662,000 |
| Noninterest-bearing deposits | 4,237,000 | 4,165,000 | 4,535,000 | 4,043,000 |
| Equity capital | 3,710,000 | 3,681,000 | 3,802,000 | 3,725,000 |
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 | 864,000 | 1,761,000 | 2,544,000 | 3,342,000 |
| Interest expense | 227,000 | 433,000 | 620,000 | 785,000 |
| Net interest income | 637,000 | 1,328,000 | 1,924,000 | 2,557,000 |
| Noninterest income | 384,000 | 448,000 | 716,000 | 810,000 |
| Noninterest expense | 903,000 | 1,753,000 | 2,802,000 | 3,690,000 |
| Provision for loan losses | -255,000 | -455,000 | -778,000 | -878,000 |
| Pretax income | 373,000 | 478,000 | 616,000 | 555,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 373,000 | 478,000 | 616,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,389,000 | 4,494,000 | 4,583,000 | 4,522,000 |
| Total capital | 5,140,000 | 5,205,000 | 5,259,000 | 5,149,000 |
| Risk-weighted assets | 58,705,000 | 55,620,000 | 52,965,000 | 49,407,000 |