Call reports 2015
LIBERTY FEDERAL SAVINGS BANK — 2015
What LIBERTY FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 93,457,000 | 92,755,000 | 92,856,000 | 91,307,000 |
| Total loans | 44,880,000 | 44,601,000 | 46,196,000 | 47,645,000 |
| Allowance for loan losses | 1,287,000 | 1,288,000 | 1,291,000 | 1,292,000 |
| Securities available for sale | 14,556,000 | 13,543,000 | 12,427,000 | 14,641,000 |
| Securities held to maturity | 3,714,000 | 3,588,000 | 3,567,000 | 3,540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,407,000 | 89,822,000 | 90,444,000 | 89,232,000 |
| Interest-bearing deposits | 85,436,000 | 84,933,000 | 84,736,000 | 83,645,000 |
| Noninterest-bearing deposits | 4,971,000 | 4,889,000 | 5,708,000 | 5,587,000 |
| Equity capital | 2,966,000 | 2,811,000 | 2,318,000 | 2,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,136,000 | 1,711,000 | 2,307,000 |
| Interest expense | 124,000 | 244,000 | 361,000 | 475,000 |
| Net interest income | 428,000 | 892,000 | 1,350,000 | 1,832,000 |
| Noninterest income | 85,000 | 281,000 | 386,000 | 468,000 |
| Noninterest expense | 745,000 | 1,516,000 | 2,277,000 | 3,088,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -232,000 | -343,000 | -541,000 | -788,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -232,000 | -343,000 | -541,000 | -788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,094,000 | 3,982,000 | 3,787,000 | 3,537,000 |
| Total capital | 4,644,000 | 4,545,000 | 4,357,000 | 4,099,000 |
| Risk-weighted assets | 43,288,000 | 44,322,000 | 44,909,000 | 44,204,000 |