Call reports 2014
LIBERTY CAPITAL BANK — 2014
What LIBERTY CAPITAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 143,679,000 | 132,073,000 | 136,455,000 | 160,048,000 |
| Total loans | 92,806,000 | 103,891,000 | 102,664,000 | 107,545,000 |
| Allowance for loan losses | 1,343,000 | 1,392,000 | 1,392,000 | 1,392,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,653,000 | 118,512,000 | 122,188,000 | 145,047,000 |
| Interest-bearing deposits | 80,866,000 | 61,677,000 | 65,327,000 | 77,116,000 |
| Noninterest-bearing deposits | 49,787,000 | 56,835,000 | 56,861,000 | 67,931,000 |
| Equity capital | 12,898,000 | 13,365,000 | 13,962,000 | 14,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,209,000 | 2,519,000 | 3,907,000 | 5,307,000 |
| Interest expense | 35,000 | 72,000 | 106,000 | 142,000 |
| Net interest income | 1,174,000 | 2,447,000 | 3,801,000 | 5,165,000 |
| Noninterest income | 19,000 | 38,000 | 59,000 | 82,000 |
| Noninterest expense | 824,000 | 1,595,000 | 2,373,000 | 3,154,000 |
| Provision for loan losses | 60,000 | 109,000 | 109,000 | 109,000 |
| Pretax income | 309,000 | 781,000 | 1,378,000 | 1,984,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 309,000 | 781,000 | 1,378,000 | 1,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,898,000 | 13,365,000 | 13,962,000 | 14,564,000 |
| Total capital | 14,098,000 | 14,663,000 | 15,248,000 | 15,905,000 |
| Risk-weighted assets | 95,872,000 | 103,742,000 | 102,814,000 | 107,208,000 |