American Liberty Savings Bank, FSB in Oakland, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 30, 1994

  • American Liberty Savings Bank, FSB in Oakland, California (CA)
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American Liberty Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 32300
    Status: Inactive
    Federal Reserve ID: 776079
    Date Established: March 26, 1985
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 8116
    FDIC's unique #: 45134
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: March 26, 1985
    Last Structure Change Effective Date: March 30, 1994
    Last Structure Change Process Date: March 30, 1994
    Last Data Update: March 30, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 1300 Clay Street, Oakland, CA 94612
    County: Alameda
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Oakland, CA (#5775)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): San Francisco-Oakland-Fremont, CA (#41860)
    CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
    Core Based Statistical Division: Oakland-Fremont-Hayward, CA (#36084)
  • History of Changes
  • Other Liquidations and Closings
    Change in Location
  • Financial Summary
  • Total assets: $29.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $75Total assets
  • $29,379Cash and due from depository institutions
  • $1,614Interest-bearing balances
  • $73Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $24,130Loan loss allowance
  • $670Trading account assets
  • $0Bank premises and fixed assets
  • $450Other real estate owned
  • $187Goodwill and other intangibles
  • $2,998Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $29,379Total liabilities
  • $24,815Total deposits
  • $82Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 82.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $23,939Subordinated debt
  • $0All other liabilities
  • $794Total equity capital
  • $794Total bank equity capital
  • $4,564Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $2,760Undivided profits
  • Memoranda
  • $1,803Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $543Income earned, not collected on loans
  • $40Earning assets
  • $24,203Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $29,681Average Assets, quarterly
  • $25,875Volatile liabilities
  • $23,939Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $17,641Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,564Total risk weighted assets
  • $16,328Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,946Total interest expense
  • $1,491Net interest income
  • $455Provision for loan and lease losses
  • -$87Total noninterest income
  • $6,129Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $6,129Total noninterest expense
  • $4,988Salaries and employee benefits
  • $2,145Premises and equipment expense
  • $700Additional noninterest expense
  • $2,143Pre-tax net operating income
  • $1,683Securities gains (losses)
  • -$369Applicable income taxes
  • $556Income before extraordinary items
  • $758Extraordinary gains - net
  • $0Net income attributable to bank
  • $758Net charge-offs
  • $235Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.76%Cost of funding earning assets
  • 5.95%Net interest margin
  • 1.81%Noninterest income to earning assets
  • 24.44%Noninterest expense to earning assets
  • 19.89%Net operating income to assets
  • 3.35%Return on assets (ROA)
  • 2.55%Pretax return on assets
  • 4.43%Return on equity (ROE)
  • 17.36%Retained earnings to average equity (YTD only)
  • 17.36%Net charge-offs to loans
  • 1.12%Credit loss provision to net charge-offs
  • -37.02%Efficiency ratio
  • 75,592Assets per employee
  • 0.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.70%Loss allowance to noncurrent loans
  • 123.39%Noncurrent assets plus other real estate owned to assets
  • 2.48%Noncurrent loans to loans
  • 2.19%Net loans and leases to deposits
  • 29426.83%Net loans and leases to core deposits
  • 29426.83%Equity capital to assets
  • 15.53%Core capital (leverage) ratio
  • 15.53%Tier 1 risk-based capital ratio
  • 27.95%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $29,681Average earning assets
  • $4,367Average equity
  • $25,077Average loans

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