Call reports 2019
LIBERTY CAPITAL BANK — 2019
What LIBERTY CAPITAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 271,016,000 | 264,604,000 | 267,555,000 | 284,487,000 |
| Total loans | 189,633,000 | 204,758,000 | 198,931,000 | 214,810,000 |
| Allowance for loan losses | 1,908,000 | 2,009,000 | 2,026,000 | 2,026,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,602,000 | 215,862,000 | 222,063,000 | 225,032,000 |
| Interest-bearing deposits | 154,737,000 | 117,297,000 | 116,244,000 | 115,745,000 |
| Noninterest-bearing deposits | 90,865,000 | 98,565,000 | 105,819,000 | 109,287,000 |
| Equity capital | 25,128,000 | 25,851,000 | 26,666,000 | 27,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,985,000 | 5,962,000 | 9,004,000 | 11,921,000 |
| Interest expense | 234,000 | 653,000 | 1,096,000 | 1,434,000 |
| Net interest income | 2,751,000 | 5,309,000 | 7,908,000 | 10,487,000 |
| Noninterest income | 18,000 | 33,000 | 67,000 | 85,000 |
| Noninterest expense | 1,273,000 | 2,607,000 | 3,932,000 | 5,476,000 |
| Provision for loan losses | 183,000 | 284,000 | 301,000 | 301,000 |
| Pretax income | 1,313,000 | 2,451,000 | 3,742,000 | 4,795,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,313,000 | 2,451,000 | 3,742,000 | 4,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,128,000 | 25,851,000 | 26,666,000 | 27,242,000 |
| Total capital | 27,036,000 | 27,860,000 | 28,692,000 | 29,268,000 |
| Risk-weighted assets | 194,646,000 | 206,295,000 | 206,273,000 | 223,890,000 |