Call reports 2015
LIBERTY CAPITAL BANK — 2015
What LIBERTY CAPITAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 166,372,000 | 167,611,000 | 187,134,000 | 169,433,000 |
| Total loans | 106,792,000 | 108,508,000 | 110,106,000 | 118,119,000 |
| Allowance for loan losses | 1,392,000 | 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 | 148,970,000 | 149,383,000 | 169,085,000 | 150,617,000 |
| Interest-bearing deposits | 79,562,000 | 87,720,000 | 95,311,000 | 78,697,000 |
| Noninterest-bearing deposits | 69,408,000 | 61,663,000 | 73,774,000 | 71,920,000 |
| Equity capital | 16,476,000 | 17,132,000 | 17,741,000 | 18,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,408,000 | 2,885,000 | 4,307,000 | 5,904,000 |
| Interest expense | 42,000 | 99,000 | 145,000 | 194,000 |
| Net interest income | 1,366,000 | 2,786,000 | 4,162,000 | 5,710,000 |
| Noninterest income | 19,000 | 41,000 | 65,000 | 88,000 |
| Noninterest expense | 843,000 | 1,629,000 | 2,420,000 | 3,212,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 542,000 | 1,198,000 | 1,807,000 | 2,586,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 542,000 | 1,198,000 | 1,807,000 | 2,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,476,000 | 17,132,000 | 17,741,000 | 18,450,000 |
| Total capital | 17,868,000 | 18,524,000 | 19,133,000 | 19,842,000 |
| Risk-weighted assets | 112,568,000 | 114,014,000 | 121,829,000 | 126,259,000 |