Institution Statistics
| Liberty Savings Bank fsb | | OTS # | 11882 | | FDIC Certificate # | 26891 | | BankRate Report | View | | Year Established | 1987 | | Employees | 43 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $172.66 million | | Loans | $103.79 million | | Deposits | $149.55 million | | Equity Capital | $17.80 million | | Loan Loss Allowance | $1.39 million |
Historic Data - March 2011 | | Assets | $160.20 million | | Equity Capital | $18.58 million | | Loan Loss Allowance | $1.92 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.46% | | Return on Assets | 0.75% | | Return on Equity | 6.82% | | Interest Income | $1.53 million |
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Institution Health
Overall Score:
5 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 Savings Bank fsb had $0 in non-current loans and owned real-estate with $19.2 million in equity and loan loss allowances on hand to cover it. This gives Liberty Savings Bank fsb a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Liberty Savings Bank fsb has increased its total deposits by $13.41 million, resulting in 9.85% 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 Savings Bank fsb 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 Savings Bank fsb has $172.66 million in assets with $19.2 million in equity, resulting in a capitalization level of 11.12%, which is above average. |
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