Call reports 2014
LIBERTY FEDERAL SAVINGS BANK — 2014
What LIBERTY FEDERAL SAVINGS BANK 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 | 99,808,000 | 99,123,000 | 96,532,000 | 94,305,000 |
| Total loans | 51,219,000 | 48,370,000 | 46,111,000 | 45,859,000 |
| Allowance for loan losses | 1,308,000 | 1,283,000 | 1,284,000 | 1,286,000 |
| Securities available for sale | 13,781,000 | 12,659,000 | 12,949,000 | 11,995,000 |
| Securities held to maturity | 3,930,000 | 3,910,000 | 3,890,000 | 3,806,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,615,000 | 95,064,000 | 92,952,000 | 91,019,000 |
| Interest-bearing deposits | 90,271,000 | 90,356,000 | 87,986,000 | 86,485,000 |
| Noninterest-bearing deposits | 4,344,000 | 4,708,000 | 4,966,000 | 4,534,000 |
| Equity capital | 3,997,000 | 3,889,000 | 3,456,000 | 3,196,000 |
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 | 791,000 | 1,488,000 | 2,172,000 | 2,817,000 |
| Interest expense | 147,000 | 284,000 | 421,000 | 555,000 |
| Net interest income | 644,000 | 1,204,000 | 1,751,000 | 2,262,000 |
| Noninterest income | 117,000 | 378,000 | 508,000 | 653,000 |
| Noninterest expense | 839,000 | 1,720,000 | 2,603,000 | 3,468,000 |
| Provision for loan losses | -341,000 | -341,000 | -341,000 | -341,000 |
| Pretax income | 263,000 | 203,000 | -3,000 | -212,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 263,000 | 203,000 | -3,000 | -212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,785,000 | 4,725,000 | 4,534,000 | 4,326,000 |
| Total capital | 5,388,000 | 5,304,000 | 5,091,000 | 4,870,000 |
| Risk-weighted assets | 47,561,000 | 45,599,000 | 43,796,000 | 42,760,000 |