BankLiberty. in Liberty, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • BankLiberty. in Liberty, Missouri (MO)
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BankLiberty. - Overview

  • General
  • FDIC Certificate #: 30817
    Status: Active
    Federal Reserve ID: 379171
    Date Established: December 05, 1955
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 5964
    FDIC's unique #: 43651
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 05, 1955
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 16 West Franklin Street, Liberty, MO 64068
    County: Clay
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $435.2 mil
    Equity capital: $60.6 mil
    Deposits held in domestic offices: $292.0 mil
    Return on assets (ROA): 0.73% ($3.2 mil)
    Quarterly return on assets: 0.41% ($1.8 mil)
    Return on Equity (ROE): 6.13% ($3.7 mil)
    Quarterly return on equity: 2.99% ($1.8 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.07% ($4,656.8 mil)
    Quarterly Pretax return on assets: 0.56% ($2,437.2 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 92Total employees (full-time equivalent)
  • $435,214Total assets
  • $33,026Cash and due from depository institutions
  • $26,210Interest-bearing balances
  • $27,366Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $311,815Net loans & leases
  • $4,410Loan loss allowance
  • $0Trading account assets
  • $11,068Bank premises and fixed assets
  • $20,084Other real estate owned
  • $1,852Goodwill and other intangibles
  • $435,214Life insurance assets
  • $30,003All other assets
  • $374,636Total liabilities and capital
  • $292,014Total liabilities
  • $261,937Total deposits
  • $292,014Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 14618.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $66,364Trading liabilities
  • $0Other borrowed funds
  • $1,640Subordinated debt
  • $60,578All other liabilities
  • $60,578Total equity capital
  • $60,578Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $40,619Surplus
  • $19,959Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,921Income earned, not collected on loans
  • $0Earning assets
  • $1,821Long-term assets (5+ years)
  • $365,391Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $439,531Volatile liabilities
  • $448,871Insider loans
  • $343,365FHLB advances
  • $433,301Loans and leases held for sale
  • $12,990Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $58,665Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $33,648Restructured Loans and leases
  • $15Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,663Total interest income
  • $4,383Total interest expense
  • $19,280Net interest income
  • $2,962Provision for loan and lease losses
  • $732Total noninterest income
  • $0Fiduciary activities
  • $104Service charges on deposit accounts
  • $0Trading account gains & fees
  • $628Additional noninterest income
  • $12,513Total noninterest expense
  • $6,524Salaries and employee benefits
  • $2,254Premises and equipment expense
  • $3,735Additional noninterest expense
  • $4,537Pre-tax net operating income
  • $161Securities gains (losses)
  • $1,484Applicable income taxes
  • $3,214Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,214Net income attributable to bank
  • $0Net charge-offs
  • $3,214Cash dividends
  • $1,602Sale, conversion, retirement of capital stock, net
  • $2,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.42%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 5.23%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 6.13%Return on equity (ROE)
  • 1.17%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 184.89%Credit loss provision to net charge-offs
  • 4.68%Efficiency ratio
  • 60,634Assets per employee
  • 4.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.90%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 55.67%Noncurrent assets plus other real estate owned to assets
  • 6.43%Noncurrent loans to loans
  • 2.50%Net loans and leases to deposits
  • 106.78%Net loans and leases to core deposits
  • 108.48%Equity capital to assets
  • 13.92%Core capital (leverage) ratio
  • 13.54%Tier 1 risk-based capital ratio
  • 17.09%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $439,531Average earning assets
  • $52,420Average equity
  • $368,733Average loans

List of branches

  • 10 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043651Bankliberty.16 West Franklin Street, Liberty, MO 64068December 05, 1955Full Service Brick and Mortar
    1282215Hwy 92 & Bellomondo Dr BranchHighway 92 And Bellomondo Drive, Platte City, MO 64079December 05, 1955Full Service Brick and Mortar
    2282216Hwy 116 & Town & Country Lane BranchHighway 116 At Town & Country Lane, Plattsburg, MO 64477December 05, 1955Full Service Brick and Mortar
    313668Farley State Bank Branch6309 Nw 9 Hwy, Parkville, MO 64152May 09, 1907Full Service Brick and Mortar
    4249795Farley Branch91 Main St, Farley, MO 64028May 09, 1989Full Service Brick and Mortar
    6492440Gladstone Branch6410 N Prospect, Kansas City, MO 64119September 04, 2007Full Service Brick and Mortar
    7495485Barry Rd Branch9200 Ne Barry Rd, Kansas City, MO 64157January 24, 2000Full Service Brick and Mortar
    8495486Independence Branch4315 S Noland Rd, Independence, MO 64055May 16, 2005Full Service Brick and Mortar
    9495487Kc, Ambassador Dr Branch8740 N Ambassador Dr, Kansas City, MO 64154January 17, 2006Full Service Brick and Mortar
    10495488Kc, Burlington St Branch1157 Burlington St, Kansas City, MO 64116January 12, 2009Full Service Brick and Mortar

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