Liberty Bank (AL)

Liberty Bank (AL) is headquartered in Geraldine and is the 93^rd largest bank in the state of Alabama. It is also the 4,783^rd largest bank in the nation. It was established in 1971 and as of March of 2012, it had grown to 42 employees at 4 locations. Liberty Bank (AL) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Liberty Bank FDIC Certificate # 20429 BankRate Report View Year Established 1971 Employees 42 Primary Regulator FDIC Assets and Liabilities Assets $107.01 million Loans $41.28 million Deposits $91.99 million Equity Capital $14.56 million Loan Loss Allowance $526,000 Unbacked Noncurrent Loans $1.34 million Real Estate Owned $188,000 Historic Data - March 2011 Assets $105.25 million Equity Capital $13.33 million Loan Loss Allowance $586,000 Unbacked Noncurrent Loans $856,000 Real Estate Owned $257,000 Profit Margin - Quarterly Net Interest Margin 4.63% Return on Assets 1.44% Return on Equity 10.68% Interest Income $1.25 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 Liberty Bank (AL) had $1.53 million in non-current loans and owned real-estate with $15.08 million in equity and loan loss allowances on hand to cover it. This gives Liberty Bank (AL) a Texas Ratio of 10.12% 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 Liberty Bank (AL) held steady from 8.00% as of March 31, 2011 to 10.12% as of March 31, 2012, resulting in a negative change of 26.53%. This indicates that the balance sheet and financial strength for Liberty Bank (AL) has held steady in recent periods. Deposit Growth In the past year, Liberty Bank (AL) has increased its total deposits by $467,000, resulting in 0.51% 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 Bank (AL) has shown is 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. Liberty Bank (AL) has $107.01 million in assets with $15.08 million in equity, resulting in a capitalization level of 14.09%, which is excellent.

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