Liberty Capital Bank in Addison, Texas (TX)

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Liberty Capital Bank routing number info

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Liberty Capital Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
New Institution
Financial SummaryTotal 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)
Total employees (full-time equivalent)13
Total assets$109,319
Cash and due from depository institutions$49,922
Interest-bearing balances$48,275
Federal funds sold & reverse repurchase agreements$4,620
Net loans & leases$53,945
Loan loss allowance $867
Trading account assets$0
Bank premises and fixed assets$346
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$486
Life insurance assets$109,319
Total liabilities and capital$98,329
Total liabilities$98,164
Total deposits$62,186
Interest-bearing deposits$98,164
Deposits held in domestic offices$64
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $165
All other liabilities $10,990
Total equity capital$10,990
Total bank equity capital$10,990
Perpetual preferred stock$0
Common stock$5,150
Undivided profits $-996
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $216
Average Assets, year-to-date $106,840
Average Assets, quarterly $9,709
Volatile liabilities $89,667
Insider loans $100,816
FHLB advances $58,088
Loans and leases held for sale $102,943
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,990
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,129
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,241
Total interest expense $210
Net interest income $3,031
Provision for loan and lease losses $250
Total noninterest income $60
Fiduciary activities $0
Service charges on deposit accounts $50
Trading account gains & fees $0
Additional noninterest income $10
Total noninterest expense $2,343
Salaries and employee benefits $1,480
Premises and equipment expense $215
Additional noninterest expense $648
Pre-tax net operating income $498
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $498
Extraordinary gains - net $0
Net income attributable to bank $498
Net charge-offs $0
Cash dividends $498
Sale, conversion, retirement of capital stock, net $0
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.69%
Cost of funding earning assets 0.24%
Net interest margin 3.45%
Noninterest income to earning assets 0.07%
Noninterest expense to earning assets 2.67%
Net operating income to assets 0.56%
Return on assets (ROA) 0.56%
Pretax return on assets 0.56%
Return on equity (ROE) 5.10%
Retained earnings to average equity (YTD only) 5.10%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$75,801
Cash dividends to net income (YTD only)8.41%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.58%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 54.95%
Equity capital to assets 56.80%
Core capital (leverage) ratio 10.05%
Tier 1 risk-based capital ratio 10.68%
Total risk-based capital ratio 18.92%
Average assets$20
Average earning assets$89,667
Average equity $9,762
Average loans $87,754
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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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