PackageTrendsPeer
Letter portraitLegal landscape

Liberty Savings Bank, FSB

Pottsville, PA · Cert 29247

FDIC

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Savings Bank, FSB

Pottsville, PA · Cert 29247

FDIC

Q4 2013

$23.5MAssets
$17.9MLoans
$21.5MDeposits
$1.9MEquity
Loan mix
98%RE $17.4M0%C&I $0.0M2%Consumer $0.3MQ4 2012Q4 2013
Deposit mix
89%Interest-bearing $19.2M11%Noninterest $2.4MQ4 2012Q4 2013

NIM

4.80%Q4 ’114.54%Q4 ’124.48%Q4 ’130%+1%

Non-interest income vs. expense

6.23%Q4 ’115.48%Q4 ’128.57%Q4 ’13-27%+83%

Executive Summary

  • Earnings: ROA of -4.35%, down 206 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.68%.
  • Funding: loans stand at 83.00% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-4.35%-206 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+3 bps YoY

Efficiency Ratio (YTD, annualized)

199.04%+8,740 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-2.29%-4.58%-3.75%-3.42%-4.35%-206 bps
Return on Equity-22.04%-48.06%-40.03%-36.50%-47.74%-2,570 bps
Net Interest Margin3.94%3.45%3.47%3.73%3.97%+3 bps
Efficiency Ratio111.64%176.34%170.94%170.61%199.04%+8,740 bps
Non-Interest Burden4.51%6.25%6.17%6.59%8.23%+372 bps
Growth
Asset Growth (YoY)2.81%-1.32%-7.82%-20.02%-22.64%-2,546 bps
Loan Growth (YoY)-4.99%-6.77%-19.12%-20.09%-22.42%-1,742 bps
Deposit Growth (YoY)10.58%6.65%-7.56%-19.03%-20.57%-3,116 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.01%1.88%1.42%0.89%0.68%-33 bps
Allowance / Loans1.05%1.24%1.34%1.43%1.58%+53 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.43%16.14%15.18%15.35%13.21%-422 bps
Equity / Assets10.13%8.93%9.01%9.34%7.96%-217 bps
Liquidity & Funding
Loans / Deposits84.97%79.93%78.39%85.29%83.00%-197 bps
Liquid Assets / Assets0.21%0.21%0.23%0.26%0.27%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a