Institution Statistics
| Liberty Trust & Savings Bank | | FDIC Certificate # | 10121 | | BankRate Report | View | | Year Established | 1905 | | Employees | 27 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $134.09 million | | Loans | $58.81 million | | Deposits | $109.46 million | | Equity Capital | $22.91 million | | Loan Loss Allowance | $1.06 million | | Unbacked Noncurrent Loans | $287,000 | | Real Estate Owned | $621,000 |
Historic Data - March 2011 | | Assets | $124.26 million | | Equity Capital | $20.25 million | | Loan Loss Allowance | $903,000 | | Unbacked Noncurrent Loans | $397,000 | | Real Estate Owned | $636,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.55% | | Return on Assets | 1.32% | | Return on Equity | 7.78% | | Interest Income | $1.34 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 Trust & Savings Bank had $908,000 in non-current loans and owned real-estate with $23.97 million in equity and loan loss allowances on hand to cover it. This gives Liberty Trust & Savings Bank a Texas Ratio of 3.79% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Liberty Trust & Savings Bank decreased slightly from 4.88% as of March 31, 2011 to 3.79% as of March 31, 2012, resulting in a positive change of 22.41%.This indicates that the balance sheet and financial strength for Liberty Trust & Savings Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Liberty Trust & Savings Bank has increased its total deposits by $6.82 million, resulting in 6.64% 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 Trust & Savings Bank 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 Trust & Savings Bank has $134.09 million in assets with $23.97 million in equity, resulting in a capitalization level of 17.87%, which is excellent. |
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