Call reports 2021
LIBERTY CAPITAL BANK — 2021
What LIBERTY CAPITAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 335,799,000 | 330,286,000 | 394,758,000 | 442,874,000 |
| Total loans | 251,479,000 | 248,306,000 | 230,467,000 | 252,906,000 |
| Allowance for loan losses | 2,202,000 | 2,303,000 | 2,303,000 | 2,519,000 |
| Securities available for sale | 0 | 2,852,000 | 9,737,000 | 21,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,121,000 | 292,479,000 | 361,781,000 | 400,185,000 |
| Interest-bearing deposits | 157,169,000 | 158,937,000 | 195,763,000 | 204,015,000 |
| Noninterest-bearing deposits | 142,952,000 | 133,542,000 | 166,018,000 | 196,170,000 |
| Equity capital | 30,864,000 | 31,178,000 | 32,308,000 | 41,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,770,000 | 5,539,000 | 8,496,000 | 11,453,000 |
| Interest expense | 94,000 | 192,000 | 287,000 | 385,000 |
| Net interest income | 2,676,000 | 5,347,000 | 8,209,000 | 11,068,000 |
| Noninterest income | 29,000 | 62,000 | 98,000 | 135,000 |
| Noninterest expense | 1,524,000 | 2,973,000 | 4,366,000 | 5,720,000 |
| Provision for loan losses | 74,000 | 175,000 | 175,000 | 391,000 |
| Pretax income | 1,107,000 | 2,261,000 | 3,766,000 | 5,092,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,107,000 | 2,261,000 | 3,766,000 | 5,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,864,000 | 31,180,000 | 32,290,000 | 41,990,000 |
| Total capital | 33,066,000 | 33,483,000 | 34,593,000 | 44,509,000 |
| Risk-weighted assets | 203,335,000 | 214,261,000 | 217,389,000 | 253,013,000 |