Institution Statistics
| Liberty FSB | | OTS # | 01532 | | FDIC Certificate # | 28407 | | BankRate Report | View | | Year Established | 1918 | | Employees | 35 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $121.99 million | | Loans | $78.22 million | | Deposits | $116.63 million | | Equity Capital | $4.89 million | | Loan Loss Allowance | $1.42 million | | Unbacked Noncurrent Loans | $7.75 million | | Real Estate Owned | $12.24 million |
Historic Data - March 2011 | | Assets | $131.20 million | | Equity Capital | $5.54 million | | Loan Loss Allowance | $2.52 million | | Unbacked Noncurrent Loans | $3.84 million | | Real Estate Owned | $11.96 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.67% | | Return on Assets | -0.38% | | Return on Equity | -9.61% | | Interest Income | $1.05 million |
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Institution Health
Overall Score:
1 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 Federal Savings Bank had $19.99 million in non-current loans and owned real-estate with $6.31 million in equity and loan loss allowances on hand to cover it. This gives Liberty Federal Savings Bank a Texas Ratio of 316.85% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Liberty Federal Savings Bank increased slightly from 195.97% as of March 31, 2011 to 316.85% as of March 31, 2012, resulting in a negative change of 61.68%. This indicates that the balance sheet and financial strength for Liberty Federal Savings Bank has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Liberty Federal Savings Bank has decreased its total deposits by -$8.83 million, resulting in -7.04% 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 Federal Savings Bank 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 Federal Savings Bank has $121.98 million in assets with $6.31 million in equity, resulting in a capitalization level of 5.17%, which is below average. |
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