Call reports 2020
LIBERTY CAPITAL BANK — 2020
What LIBERTY CAPITAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 272,674,000 | 331,556,000 | 326,531,000 | 355,820,000 |
| Total loans | 212,965,000 | 259,151,000 | 244,558,000 | 240,261,000 |
| Allowance for loan losses | 2,226,000 | 2,426,000 | 2,426,000 | 2,128,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,610,000 | 279,528,000 | 275,893,000 | 324,457,000 |
| Interest-bearing deposits | 141,535,000 | 153,505,000 | 145,034,000 | 180,889,000 |
| Noninterest-bearing deposits | 85,075,000 | 126,023,000 | 130,859,000 | 143,568,000 |
| Equity capital | 27,697,000 | 28,411,000 | 29,130,000 | 30,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,817,000 | 5,682,000 | 8,485,000 | 11,636,000 |
| Interest expense | 332,000 | 487,000 | 604,000 | 714,000 |
| Net interest income | 2,485,000 | 5,195,000 | 7,881,000 | 10,922,000 |
| Noninterest income | 15,000 | 32,000 | 56,000 | 88,000 |
| Noninterest expense | 1,389,000 | 2,726,000 | 4,246,000 | 6,019,000 |
| Provision for loan losses | 200,000 | 400,000 | 400,000 | 102,000 |
| Pretax income | 911,000 | 2,101,000 | 3,291,000 | 4,889,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 911,000 | 2,101,000 | 3,291,000 | 4,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,697,000 | 28,411,000 | 29,130,000 | 30,208,000 |
| Total capital | 29,923,000 | 30,837,000 | 31,556,000 | 32,336,000 |
| Risk-weighted assets | 215,880,000 | 215,931,000 | 197,703,000 | 207,481,000 |