Call reports 2012
LIBERTY CAPITAL BANK — 2012
What LIBERTY CAPITAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 108,859,000 | 111,564,000 | 106,004,000 | 118,394,000 |
| Total loans | 64,948,000 | 76,603,000 | 81,080,000 | 75,568,000 |
| Allowance for loan losses | 994,000 | 1,141,000 | 1,197,000 | 1,197,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,678,000 | 100,143,000 | 94,097,000 | 105,974,000 |
| Interest-bearing deposits | 60,549,000 | 63,849,000 | 59,452,000 | 58,702,000 |
| Noninterest-bearing deposits | 37,129,000 | 36,294,000 | 34,645,000 | 47,272,000 |
| Equity capital | 11,085,000 | 11,267,000 | 11,674,000 | 12,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 996,000 | 2,085,000 | 3,277,000 | 4,457,000 |
| Interest expense | 40,000 | 77,000 | 112,000 | 142,000 |
| Net interest income | 956,000 | 2,008,000 | 3,165,000 | 4,315,000 |
| Noninterest income | 18,000 | 36,000 | 58,000 | 79,000 |
| Noninterest expense | 746,000 | 1,482,000 | 2,193,000 | 2,949,000 |
| Provision for loan losses | 127,000 | 274,000 | 330,000 | 330,000 |
| Pretax income | 101,000 | 288,000 | 700,000 | 1,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 101,000 | 288,000 | 700,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,085,000 | 11,267,000 | 11,674,000 | 12,119,000 |
| Total capital | 11,926,000 | 12,254,000 | 12,701,000 | 13,106,000 |
| Risk-weighted assets | 67,096,000 | 78,791,000 | 81,971,000 | 78,787,000 |