Call reports 2016
LIBERTY CAPITAL BANK — 2016
What LIBERTY CAPITAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 198,625,000 | 188,662,000 | 201,222,000 | 213,006,000 |
| Total loans | 140,322,000 | 152,375,000 | 156,475,000 | 154,008,000 |
| Allowance for loan losses | 1,392,000 | 1,417,000 | 1,501,000 | 1,511,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,697,000 | 139,546,000 | 165,858,000 | 191,671,000 |
| Interest-bearing deposits | 101,585,000 | 72,346,000 | 86,006,000 | 105,114,000 |
| Noninterest-bearing deposits | 72,112,000 | 67,200,000 | 79,852,000 | 86,557,000 |
| Equity capital | 18,353,000 | 19,189,000 | 19,949,000 | 20,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,533,000 | 5,457,000 | 7,445,000 |
| Interest expense | 85,000 | 196,000 | 295,000 | 381,000 |
| Net interest income | 1,588,000 | 3,337,000 | 5,162,000 | 7,064,000 |
| Noninterest income | 24,000 | 47,000 | 70,000 | -42,000 |
| Noninterest expense | 901,000 | 1,812,000 | 2,691,000 | 3,583,000 |
| Provision for loan losses | 0 | 25,000 | 109,000 | 119,000 |
| Pretax income | 711,000 | 1,547,000 | 2,432,000 | 3,320,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 711,000 | 1,547,000 | 2,432,000 | 3,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,353,000 | 19,189,000 | 19,949,000 | 20,837,000 |
| Total capital | 19,745,000 | 20,606,000 | 21,450,000 | 22,348,000 |
| Risk-weighted assets | 148,455,000 | 155,602,000 | 159,673,000 | 160,050,000 |