First Liberty Bank

First Liberty Bank is headquartered in Oklahoma City and is the 80^th largest bank in the state of Oklahoma. It is also the 3,375^th largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 20 employees at 1 location. First Liberty Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Liberty Bank FDIC Certificate # 14029 BankRate Report View Year Established 1933 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $181.12 million Loans $116.27 million Deposits $159.21 million Equity Capital $21.53 million Loan Loss Allowance $2.33 million Unbacked Noncurrent Loans $2.81 million Historic Data - March 2011 Assets $164.82 million Equity Capital $19.50 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $184,000 Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 1.54% Return on Equity 13.6% Interest Income $2.04 million

Institution Health Overall Score: 4 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 First Liberty Bank had $2.81 million in non-current loans and owned real-estate with $23.86 million in equity and loan loss allowances on hand to cover it. This gives First Liberty Bank a Texas Ratio of 11.79% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Liberty Bank increased slightly from 0.85% as of March 31, 2011 to 11.79% as of March 31, 2012, resulting in a negative change of 1,281.31%. This indicates that the balance sheet and financial strength for First Liberty Bank has declined slightly in recent periods. Deposit Growth In the past year, First Liberty Bank has increased its total deposits by $14.8 million, resulting in 10.25% 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 First Liberty 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. First Liberty Bank has $181.12 million in assets with $23.86 million in equity, resulting in a capitalization level of 13.17%, which is excellent.

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