Call reports 2011
LIBERTY CAPITAL BANK — 2011
What LIBERTY CAPITAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 80,660,000 | 89,880,000 | 92,313,000 | 109,319,000 |
| Total loans | 42,416,000 | 46,002,000 | 48,755,000 | 54,812,000 |
| Allowance for loan losses | 712,000 | 757,000 | 791,000 | 867,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,601,000 | 80,660,000 | 81,377,000 | 98,164,000 |
| Interest-bearing deposits | 48,537,000 | 53,567,000 | 54,840,000 | 62,186,000 |
| Noninterest-bearing deposits | 23,064,000 | 27,093,000 | 26,537,000 | 35,978,000 |
| Equity capital | 8,976,000 | 9,114,000 | 10,803,000 | 10,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 726,000 | 1,527,000 | 2,358,000 | 3,241,000 |
| Interest expense | 61,000 | 122,000 | 167,000 | 210,000 |
| Net interest income | 665,000 | 1,405,000 | 2,191,000 | 3,031,000 |
| Noninterest income | 13,000 | 29,000 | 44,000 | 60,000 |
| Noninterest expense | 548,000 | 1,136,000 | 1,728,000 | 2,343,000 |
| Provision for loan losses | 95,000 | 140,000 | 174,000 | 250,000 |
| Pretax income | 35,000 | 158,000 | 333,000 | 498,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 35,000 | 158,000 | 333,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,976,000 | 9,114,000 | 10,803,000 | 10,990,000 |
| Total capital | 9,620,000 | 9,693,000 | 11,417,000 | 11,718,000 |
| Risk-weighted assets | 51,464,000 | 46,150,000 | 48,965,000 | 58,088,000 |