Call reports 2023
LIBERTY CAPITAL BANK — 2023
What LIBERTY CAPITAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 410,245,000 | 399,178,000 | 431,126,000 | 409,459,000 |
| Total loans | 243,401,000 | 243,385,000 | 261,316,000 | 272,815,000 |
| Allowance for loan losses | 3,331,000 | 3,331,000 | 3,331,000 | 3,331,000 |
| Securities available for sale | 53,589,000 | 34,404,000 | 35,659,000 | 41,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,006,000 | 332,800,000 | 364,142,000 | 340,218,000 |
| Interest-bearing deposits | 198,948,000 | 219,128,000 | 226,357,000 | 219,319,000 |
| Noninterest-bearing deposits | 126,058,000 | 113,672,000 | 137,785,000 | 120,899,000 |
| Equity capital | 43,731,000 | 44,485,000 | 44,979,000 | 47,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,530,000 | 9,645,000 | 15,212,000 | 21,135,000 |
| Interest expense | 1,111,000 | 3,178,000 | 5,368,000 | 7,695,000 |
| Net interest income | 3,419,000 | 6,467,000 | 9,844,000 | 13,440,000 |
| Noninterest income | 33,000 | 56,000 | 86,000 | 325,000 |
| Noninterest expense | 1,706,000 | 3,472,000 | 5,147,000 | 6,730,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,746,000 | 3,056,000 | 4,789,000 | 7,041,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,746,000 | 3,056,000 | 4,789,000 | 7,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,043,000 | 48,705,000 | 49,790,000 | 51,426,000 |
| Total capital | 50,330,000 | 51,135,000 | 52,262,000 | 53,898,000 |
| Risk-weighted assets | 250,619,000 | 262,184,000 | 276,703,000 | 287,590,000 |