Institution Statistics
| Liberty Bank, Inc. | | FDIC Certificate # | 26816 | | BankRate Report | View | | Year Established | 1956 | | Employees | 7 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $11.51 million | | Loans | $6.76 million | | Deposits | $9.97 million | | Equity Capital | $1.48 million | | Loan Loss Allowance | $438,000 | | Unbacked Noncurrent Loans | $665,000 | | Real Estate Owned | $170,000 |
Historic Data - March 2011 | | Assets | $12.77 million | | Equity Capital | $787,000 | | Loan Loss Allowance | $126,000 | | Real Estate Owned | $601,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.28% | | Return on Assets | -3.16% | | Return on Equity | -24.69% | | Interest Income | $112,000 |
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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 Liberty Bank, Inc. had $835,000 in non-current loans and owned real-estate with $1.91 million in equity and loan loss allowances on hand to cover it. This gives Liberty Bank, Inc. a Texas Ratio of 43.63% 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 Liberty Bank, Inc. decreased slightly from 60.35% as of March 31, 2011 to 43.63% as of March 31, 2012, resulting in a positive change of 27.71%.This indicates that the balance sheet and financial strength for Liberty Bank, Inc. has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Liberty Bank, Inc. has decreased its total deposits by -$1.21 million, resulting in -10.85% 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, Inc. 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. Liberty Bank, Inc. has $11.51 million in assets with $1.91 million in equity, resulting in a capitalization level of 16.63%, which is excellent. |
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