Call reports 2010
LIBERTY CAPITAL BANK — 2010
What LIBERTY CAPITAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 47,901,000 | 55,666,000 | 73,520,000 | 76,163,000 |
| Total loans | 32,080,000 | 33,336,000 | 33,869,000 | 34,822,000 |
| Allowance for loan losses | 513,000 | 557,000 | 585,000 | 617,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,121,000 | 46,875,000 | 64,624,000 | 67,119,000 |
| Interest-bearing deposits | 32,311,000 | 36,209,000 | 44,402,000 | 48,907,000 |
| Noninterest-bearing deposits | 6,810,000 | 10,666,000 | 20,222,000 | 18,212,000 |
| Equity capital | 8,705,000 | 8,699,000 | 8,752,000 | 8,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 527,000 | 1,122,000 | 1,773,000 | 2,449,000 |
| Interest expense | 55,000 | 116,000 | 191,000 | 265,000 |
| Net interest income | 472,000 | 1,006,000 | 1,582,000 | 2,184,000 |
| Noninterest income | 11,000 | 22,000 | 33,000 | 49,000 |
| Noninterest expense | 451,000 | 972,000 | 1,492,000 | 1,915,000 |
| Provision for loan losses | 71,000 | 114,000 | 142,000 | 174,000 |
| Pretax income | -39,000 | -58,000 | -19,000 | 144,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -39,000 | -58,000 | -19,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,705,000 | 8,699,000 | 8,752,000 | 8,928,000 |
| Total capital | 9,157,000 | 9,171,000 | 9,270,000 | 9,450,000 |
| Risk-weighted assets | 36,118,000 | 37,704,000 | 41,479,000 | 41,716,000 |