Liberty Capital Bank in Addison, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Liberty Capital Bank - Overview

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    0470379Liberty Capital Bank5055 Keller Springs Road, Suite 120, Addison, TX 75001September 15, 2008Full Service Brick and Mortar

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