Call reports 2024
LIBERTY CAPITAL BANK — 2024
What LIBERTY CAPITAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 389,136,000 | 414,825,000 | 410,135,000 | 425,801,000 |
| Total loans | 289,503,000 | 297,537,000 | 320,973,000 | 348,892,000 |
| Allowance for loan losses | 3,331,000 | 3,331,000 | 3,482,000 | 3,777,000 |
| Securities available for sale | 37,758,000 | 10,955,000 | 11,162,000 | 10,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,411,000 | 365,496,000 | 359,079,000 | 373,609,000 |
| Interest-bearing deposits | 226,947,000 | 260,754,000 | 247,113,000 | 254,968,000 |
| Noninterest-bearing deposits | 95,464,000 | 104,742,000 | 111,966,000 | 118,641,000 |
| Equity capital | 47,087,000 | 47,929,000 | 49,558,000 | 50,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,672,000 | 11,613,000 | 18,081,000 | 24,770,000 |
| Interest expense | 2,314,000 | 4,789,000 | 7,386,000 | 9,887,000 |
| Net interest income | 3,358,000 | 6,824,000 | 10,695,000 | 14,883,000 |
| Noninterest income | 36,000 | 66,000 | 95,000 | 123,000 |
| Noninterest expense | 1,829,000 | 3,775,000 | 5,684,000 | 7,612,000 |
| Provision for loan losses | 0 | 0 | 151,000 | 446,000 |
| Pretax income | 1,565,000 | 1,952,000 | 3,792,000 | 5,785,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,565,000 | 1,952,000 | 3,792,000 | 5,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,699,000 | 50,442,000 | 51,639,000 | 53,029,000 |
| Total capital | 53,458,000 | 53,201,000 | 54,549,000 | 56,234,000 |
| Risk-weighted assets | 305,456,000 | 316,111,000 | 341,334,000 | 361,541,000 |