Liberty Bank (MO)

Liberty Bank (MO) is headquartered in Springfield and is the 19^st largest bank in the state of Missouri. It is also the 601^st largest bank in the nation. It was established in 1995 and as of September of 2011, it had grown to 271 employees at 19 locations. Liberty Bank (MO)'s money market rates are 14% higher than the national average, and it has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Liberty Bank FDIC Certificate # 34087 BankRate Report View Year Established 1995 Employees 271 Primary Regulator FDIC Assets and Liabilities Assets $1.10 billion Loans $871.33 million Deposits $912.48 million Equity Capital $109.74 million Loan Loss Allowance $12.18 million Unbacked Noncurrent Loans $8.65 million Real Estate Owned $6.78 million Historic Data - September 2010 Assets $963.30 million Equity Capital $99.68 million Loan Loss Allowance $10.61 million Unbacked Noncurrent Loans $2.99 million Real Estate Owned $3.88 million Profit Margin - Quarterly Net Interest Margin 4.65% Return on Assets 1.36% Return on Equity 13.38% Interest Income $40.18 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 September 30, 2011 Liberty Bank (MO) had $15.44 million in non-current loans and owned real-estate with $121.91 million in equity and loan loss allowances on hand to cover it. This gives Liberty Bank (MO) a Texas Ratio of 12.66% 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 (MO) increased slightly from 6.17% as of September 30, 2010 to 12.66% as of September 30, 2011, resulting in a negative change of 105.35%. This indicates that the balance sheet and financial strength for Liberty Bank (MO) has declined slightly in recent periods. Deposit Growth In the past year, Liberty Bank (MO) has increased its total deposits by $107.06 million, resulting in 13.29% 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 (MO) 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. Liberty Bank (MO) has $1.1 billion in assets with $121.91 million in equity, resulting in a capitalization level of 11.08%, which is above average.

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