Liberty State Bank

Liberty State Bank is headquartered in Liberty and is the 126^th largest bank in the state of Tennessee. It is also the 3,977^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 39 employees at 5 locations. Liberty State Bank has a 3-star health rating.

Liberty State Bank Routing Number: 064103095

Data for Q1 2012

Institution Statistics Liberty State Bank FDIC Certificate # 11881 BankRate Report View Year Established 1904 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $144.17 million Loans $81.61 million Deposits $128.08 million Equity Capital $14.26 million Loan Loss Allowance $1.64 million Unbacked Noncurrent Loans $4.21 million Real Estate Owned $1.24 million Historic Data - March 2011 Assets $136.87 million Equity Capital $12.86 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $3.89 million Real Estate Owned $622,000 Profit Margin - Quarterly Net Interest Margin 3.65% Return on Assets 0.66% Return on Equity 6.51% Interest Income $1.61 million

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 State Bank had $5.45 million in non-current loans and owned real-estate with $15.9 million in equity and loan loss allowances on hand to cover it. This gives Liberty State Bank a Texas Ratio of 34.29% 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 State Bank held steady from 30.92% as of March 31, 2011 to 34.29% as of March 31, 2012, resulting in a negative change of 10.89%. This indicates that the balance sheet and financial strength for Liberty State Bank has held steady in recent periods. Deposit Growth In the past year, Liberty State Bank has increased its total deposits by $5.94 million, resulting in 4.86% 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 has shown is above average. 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 has $144.17 million in assets with $15.9 million in equity, resulting in a capitalization level of 11.03%, which is above average.

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