FDIC Certificate #: 58852 Status: Active Federal Reserve ID: 3690121 Bank Holding Company (Regulatory Top Holder): Liberty Capital Bancshares. Inc. (RSSDID: 3810956, Location: Addison, TX) Date Established: September 15, 2008 WWW:http://www.libertycapitalbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 470379 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: September 15, 2008 Last Structure Change Effective Date: September 15, 2008 Last Structure Change Process Date: September 16, 2008 Last Data Update: September 16, 2008 Data Source Date: April 05, 2012
Location
Address: 5055 Keller Springs Road, Suite 120, Addison, TX 75001 County: Dallas Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Dallas, TX (#1920) Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31) Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
New Institution
Financial Summary
Total assets: $109.3 mil Equity capital: $11.0 mil Deposits held in domestic offices: $98.2 mil Return on assets (ROA): 0.56% ($0.6 mil) Quarterly return on assets: 0.65% ($0.7 mil) Return on Equity (ROE): 5.10% ($0.6 mil) Quarterly return on equity: 6.06% ($0.7 mil) Net income: $0.5 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.56% ($612.2 mil) Quarterly Pretax return on assets: 0.65% ($710.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
13Total employees (full-time equivalent)
$109,319Total assets
$49,922Cash and due from depository institutions
$48,275Interest-bearing balances
$0Securities
$4,620Federal funds sold & reverse repurchase agreements
$53,945Net loans & leases
$867Loan loss allowance
$0Trading account assets
$346Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$109,319Life insurance assets
$486All other assets
$98,329Total liabilities and capital
$98,164Total liabilities
$62,186Total deposits
$98,164Interest-bearing deposits
$64Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$165Subordinated debt
$10,990All other liabilities
$10,990Total equity capital
$10,990Total bank equity capital
$0Perpetual preferred stock
$5,150Common stock
$6,836Surplus
$-996Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$216Long-term assets (5+ years)
$106,840Average Assets, year-to-date
$9,709Average Assets, quarterly
$89,667Volatile liabilities
$100,816Insider loans
$58,088FHLB advances
$102,943Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,990Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,129Restructured Loans and leases
$2,404Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,241Total interest income
$210Total interest expense
$3,031Net interest income
$250Provision for loan and lease losses
$60Total noninterest income
$0Fiduciary activities
$50Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$2,343Total noninterest expense
$1,480Salaries and employee benefits
$215Premises and equipment expense
$648Additional noninterest expense
$498Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$498Income before extraordinary items
$0Extraordinary gains - net
$498Net income attributable to bank
$0Net charge-offs
$498Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.69%Yield on earning assets
0.24%Cost of funding earning assets
3.45%Net interest margin
0.07%Noninterest income to earning assets
2.67%Noninterest expense to earning assets
0.56%Net operating income to assets
0.56%Return on assets (ROA)
0.56%Pretax return on assets
5.10%Return on equity (ROE)
5.10%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
75,801Assets per employee
8.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.58%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
54.95%Net loans and leases to core deposits
56.80%Equity capital to assets
10.05%Core capital (leverage) ratio
10.68%Tier 1 risk-based capital ratio
18.92%Total risk-based capital ratio
Memoranda
$20Average assets
$89,667Average earning assets
$9,762Average equity
$87,754Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
470379
Liberty Capital Bank
5055 Keller Springs Road, Suite 120, Addison, TX 75001
September 15, 2008
Full Service Brick and Mortar
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