Call reports 2013
LIBERTY CAPITAL BANK — 2013
What LIBERTY CAPITAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 103,933,000 | 106,280,000 | 111,322,000 | 128,582,000 |
| Total loans | 79,806,000 | 86,350,000 | 79,412,000 | 88,008,000 |
| Allowance for loan losses | 1,197,000 | 1,263,000 | 1,263,000 | 1,283,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,783,000 | 93,849,000 | 98,501,000 | 115,352,000 |
| Interest-bearing deposits | 55,256,000 | 53,388,000 | 56,145,000 | 63,813,000 |
| Noninterest-bearing deposits | 36,527,000 | 40,461,000 | 42,356,000 | 51,539,000 |
| Equity capital | 12,010,000 | 12,264,000 | 12,587,000 | 13,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,123,000 | 2,290,000 | 3,442,000 | 4,605,000 |
| Interest expense | 31,000 | 59,000 | 93,000 | 125,000 |
| Net interest income | 1,092,000 | 2,231,000 | 3,349,000 | 4,480,000 |
| Noninterest income | 21,000 | 41,000 | 62,000 | 80,000 |
| Noninterest expense | 802,000 | 1,636,000 | 2,447,000 | 3,149,000 |
| Provision for loan losses | 0 | 66,000 | 66,000 | 86,000 |
| Pretax income | 311,000 | 570,000 | 898,000 | 1,325,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 311,000 | 570,000 | 898,000 | 1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,010,000 | 12,264,000 | 12,587,000 | 13,009,000 |
| Total capital | 13,022,000 | 13,382,000 | 13,648,000 | 14,156,000 |
| Risk-weighted assets | 80,748,000 | 89,330,000 | 84,651,000 | 91,654,000 |