Call reports 2016
LIBERTY FEDERAL SAVINGS BANK — 2016
What LIBERTY FEDERAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 89,489,000 | 87,392,000 | 86,317,000 | 82,510,000 |
| Total loans | 48,834,000 | 50,758,000 | 53,858,000 | 54,553,000 |
| Allowance for loan losses | 1,281,000 | 1,281,000 | 1,281,000 | 1,280,000 |
| Securities available for sale | 15,415,000 | 14,171,000 | 13,325,000 | 13,291,000 |
| Securities held to maturity | 3,517,000 | 3,489,000 | 3,375,000 | 2,852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,273,000 | 85,458,000 | 84,424,000 | 80,949,000 |
| Interest-bearing deposits | 81,864,000 | 80,196,000 | 78,642,000 | 75,877,000 |
| Noninterest-bearing deposits | 5,409,000 | 5,262,000 | 5,782,000 | 5,072,000 |
| Equity capital | 2,130,000 | 1,651,000 | 1,633,000 | 1,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,289,000 | 2,038,000 | 2,680,000 |
| Interest expense | 105,000 | 203,000 | 300,000 | 394,000 |
| Net interest income | 463,000 | 1,086,000 | 1,738,000 | 2,286,000 |
| Noninterest income | 81,000 | 163,000 | 246,000 | 317,000 |
| Noninterest expense | 730,000 | 1,507,000 | 2,247,000 | 3,016,000 |
| Provision for loan losses | -238,000 | -240,000 | -240,000 | -252,000 |
| Pretax income | 52,000 | -18,000 | -22,000 | -160,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 52,000 | -18,000 | -22,000 | -160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,590,000 | 3,521,000 | 3,515,000 | 3,378,000 |
| Total capital | 4,158,000 | 4,079,000 | 4,080,000 | 3,931,000 |
| Risk-weighted assets | 44,691,000 | 43,927,000 | 44,449,000 | 43,490,000 |