LIBERTY BANK & TRUST in Tucson, Arizona (AZ)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 13, 1998

  • LIBERTY BANK & TRUST in Tucson, Arizona (AZ)
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LIBERTY BANK & TRUST - Overview

  • General
  • FDIC Certificate #: 33372
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commercial Federal Bank, a Federal Savings Bank (#30341)
    Federal Reserve ID: 1859513
    Date Established: April 12, 1991
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 13647
    FDIC's unique #: 46952
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 12, 1991
    Last Structure Change Effective Date: Febuary 13, 1998
    Last Structure Change Process Date: April 13, 1998
    Last Data Update: April 13, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 7225 North Oracle Road, Tucson, AZ 85701
    County: Pima
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Phoenix
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Tucson, AZ (#8520)
    Core Based Statistical Area (CBSA): Tucson, AZ (#46060)
    CBSA Metro Statistical Area: Tucson, AZ (#46060)
  • Financial Summary
  • Total assets: $153.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 49Total employees (full-time equivalent)
  • $153,337Total assets
  • $7,455Cash and due from depository institutions
  • $0Interest-bearing balances
  • $14,877Securities
  • $4,900Federal funds sold & reverse repurchase agreements
  • $123,505Net loans & leases
  • $1,206Loan loss allowance
  • $0Trading account assets
  • $629Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,971All other assets
  • $153,337Total liabilities and capital
  • $142,433Total liabilities
  • $140,552Total deposits
  • $115,764Interest-bearing deposits
  • $140,552Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $768Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,113All other liabilities
  • $10,904Total equity capital
  • $10,904Total bank equity capital
  • $10,904Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $2,870Undivided profits
  • Memoranda
  • $7,034Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $221Earning assets
  • $0Long-term assets (5+ years)
  • $706Average Assets, year-to-date
  • $143,282Average Assets, quarterly
  • $16,889Volatile liabilities
  • $135,323Insider loans
  • $148,011FHLB advances
  • $18,944Loans and leases held for sale
  • $1,554Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $35,222Total unused commitments
  • $0Restructured Loans and leases
  • $125,579Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $12,821Total interest income
  • $4,997Total interest expense
  • $7,824Net interest income
  • $612Provision for loan and lease losses
  • $389Total noninterest income
  • $0Fiduciary activities
  • $203Service charges on deposit accounts
  • $0Trading account gains & fees
  • $186Additional noninterest income
  • $4,230Total noninterest expense
  • $1,891Salaries and employee benefits
  • $571Premises and equipment expense
  • $1,768Additional noninterest expense
  • $3,371Pre-tax net operating income
  • $22Securities gains (losses)
  • $1,295Applicable income taxes
  • $2,098Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,098Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $203Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 10.16%Yield on earning assets
  • 3.96%Cost of funding earning assets
  • 6.20%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 3.35%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.55%Return on assets (ROA)
  • 2.51%Pretax return on assets
  • 22.54%Return on equity (ROE)
  • 22.54%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 301.48%Credit loss provision to net charge-offs
  • 19.62%Efficiency ratio
  • 51,504Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 545.70%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 87.87%Net loans and leases to core deposits
  • 100.92%Equity capital to assets
  • 7.11%Core capital (leverage) ratio
  • 7.54%Tier 1 risk-based capital ratio
  • 8.65%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $135,323Average earning assets
  • $9,309Average equity
  • $126,157Average loans

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