BankLiberty

BankLiberty is headquartered in Liberty and is the 55^th largest bank in the state of Missouri. It is also the 1,558^th largest bank in the nation. It was established in 1955 and as of March of 2012, it had grown to 91 employees at 10 locations. BankLiberty has a 3-star health rating.

Data for Q1 2012

Institution Statistics BankLiberty. OTS # 05964 FDIC Certificate # 30817 BankRate Report View Year Established 1955 Employees 91 Primary Regulator OCC Assets and Liabilities Assets $427.44 million Loans $306.23 million Deposits $287.65 million Equity Capital $60.48 million Loan Loss Allowance $6.30 million Unbacked Noncurrent Loans $16.53 million Real Estate Owned $9.43 million Historic Data - March 2011 Assets $428.68 million Equity Capital $46.66 million Loan Loss Allowance $3.82 million Unbacked Noncurrent Loans $4.08 million Real Estate Owned $14.20 million Profit Margin - Quarterly Net Interest Margin 4.64% Return on Assets 0.74% Return on Equity 5.31% Interest Income $5.12 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 March 31, 2012 BankLiberty had $25.96 million in non-current loans and owned real-estate with $66.78 million in equity and loan loss allowances on hand to cover it. This gives BankLiberty a Texas Ratio of 38.88% 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 held steady from 36.22% as of March 31, 2011 to 38.88% as of March 31, 2012, resulting in a negative change of 7.36%. This indicates that the balance sheet and financial strength for BankLiberty has held steady in recent periods. Deposit Growth In the past year, BankLiberty has decreased its total deposits by -$25.23 million, resulting in -8.06% 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 poor. 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 $427.44 million in assets with $66.78 million in equity, resulting in a capitalization level of 15.62%, which is excellent.

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