Call reports 2009
LIBERTY CAPITAL BANK — 2009
What LIBERTY CAPITAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 30,733,000 | 36,545,000 | 40,587,000 | 46,396,000 |
| Total loans | 8,490,000 | 15,679,000 | 20,119,000 | 27,347,000 |
| Allowance for loan losses | 143,000 | 276,000 | 333,000 | 443,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,392,000 | 27,438,000 | 31,597,000 | 34,930,000 |
| Interest-bearing deposits | 18,105,000 | 22,985,000 | 24,928,000 | 26,509,000 |
| Noninterest-bearing deposits | 3,287,000 | 4,453,000 | 6,669,000 | 8,421,000 |
| Equity capital | 9,289,000 | 8,998,000 | 8,855,000 | 8,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 206,000 | 493,000 | 870,000 | 1,301,000 |
| Interest expense | 53,000 | 108,000 | 170,000 | 228,000 |
| Net interest income | 153,000 | 385,000 | 700,000 | 1,073,000 |
| Noninterest income | 3,000 | 6,000 | 12,000 | 33,000 |
| Noninterest expense | 355,000 | 761,000 | 1,182,000 | 1,605,000 |
| Provision for loan losses | 29,000 | 162,000 | 219,000 | 329,000 |
| Pretax income | -228,000 | -532,000 | -689,000 | -828,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -228,000 | -532,000 | -689,000 | -828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,289,000 | 8,998,000 | 8,855,000 | 8,730,000 |
| Total capital | 9,432,000 | 9,244,000 | 9,160,000 | 9,126,000 |
| Risk-weighted assets | 12,200,000 | 18,899,000 | 24,338,000 | 31,639,000 |