Institution Statistics
| Liberty State Bank | | FDIC Certificate # | 17096 | | BankRate Report | View | | Year Established | 1952 | | Employees | 11 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $57.41 million | | Loans | $31.02 million | | Deposits | $50.23 million | | Equity Capital | $5.56 million | | Loan Loss Allowance | $363,000 |
Historic Data - March 2011 | | Assets | $49.29 million | | Equity Capital | $4.35 million | | Loan Loss Allowance | $360,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.05% | | Return on Assets | 2.15% | | Return on Equity | 22.65% | | Interest Income | $616,000 |
|
|
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 State Bank (ND) had $0 in non-current loans and owned real-estate with $5.92 million in equity and loan loss allowances on hand to cover it. This gives Liberty State Bank (ND) 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 State Bank (ND) has increased its total deposits by $8.32 million, resulting in 19.85% 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 State Bank (ND) 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 State Bank (ND) has $57.41 million in assets with $5.92 million in equity, resulting in a capitalization level of 10.31%, which is above average. |
|
