Institution Statistics
| Liberty Capital Bank | | FDIC Certificate # | 58852 | | BankRate Report | View | | Year Established | 2008 | | Employees | 15 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $108.86 million | | Loans | $63.95 million | | Deposits | $97.68 million | | Equity Capital | $11.09 million | | Loan Loss Allowance | $994,000 |
Historic Data - March 2011 | | Assets | $80.66 million | | Equity Capital | $8.98 million | | Loan Loss Allowance | $712,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.58% | | Return on Assets | 0.37% | | Return on Equity | 3.66% | | Interest Income | $996,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Liberty Capital Bank had $0 in non-current loans and owned real-estate with $12.08 million in equity and loan loss allowances on hand to cover it. This gives Liberty Capital Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Liberty Capital Bank has increased its total deposits by $26.08 million, resulting in 36.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Liberty Capital Bank has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Liberty Capital Bank has $108.86 million in assets with $12.08 million in equity, resulting in a capitalization level of 11.10%, which is above average. |
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