BankLiberty

BankLiberty is headquartered in Liberty and is the 52^nd largest bank in the state of Missouri. It is also the 1,438^th largest bank in the nation. It was established in 1955 and as of September of 2011, it had grown to 95 employees at 11 locations. BankLiberty has a 3-star health rating.

Data for Q3 2011

Institution Statistics BankLiberty. OTS # 05964 FDIC Certificate # 30817 BankRate Report View Year Established 1955 Employees 95 Primary Regulator OCC Assets and Liabilities Assets $462.53 million Loans $306.55 million Deposits $330.81 million Equity Capital $62.06 million Loan Loss Allowance $4.13 million Unbacked Noncurrent Loans $4.13 million Real Estate Owned $16.84 million Historic Data - September 2010 Assets $459.49 million Equity Capital $45.96 million Loan Loss Allowance $3.31 million Unbacked Noncurrent Loans $8.53 million Real Estate Owned $12.41 million Profit Margin - Quarterly Net Interest Margin 5.39% Return on Assets 0.83% Return on Equity 7.29% Interest Income $18.28 million

Institution Health Overall Score: 3 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 September 30, 2011 BankLiberty had $20.97 million in non-current loans and owned real-estate with $66.19 million in equity and loan loss allowances on hand to cover it. This gives BankLiberty a Texas Ratio of 31.68% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BankLiberty decreased slightly from 51.61% as of September 30, 2010 to 31.68% as of September 30, 2011, resulting in a positive change of 38.61%.This indicates that the balance sheet and financial strength for BankLiberty has improved slightly in recent periods. Deposit Growth In the past year, BankLiberty has decreased its total deposits by -$11.61 million, resulting in -3.39% 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 BankLiberty has shown is below average. 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. BankLiberty has $462.53 million in assets with $66.19 million in equity, resulting in a capitalization level of 14.31%, which is excellent.

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