Libertad Bank SSB in Austin, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Libertad Bank SSB - Overview

  • General
  • FDIC Certificate #: 58082
    Status: Active
    Federal Reserve ID: 3347911
    Date Established: January 09, 2006
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 439321
    Numeric code: 41
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 09, 2006
    Last Structure Change Effective Date: September 01, 2009
    Last Structure Change Process Date: April 01, 2010
    Last Data Update: April 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 512 E Riverside Dr, Austin, TX 78704
    County: Travis
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • Financial Summary
  • Total assets: $36.1 mil
    Equity capital: $6.1 mil
    Deposits held in domestic offices: $27.6 mil
    Return on assets (ROA): -2.77% (-$1.0 mil)
    Quarterly return on assets: -8.22% (-$3.0 mil)
    Return on Equity (ROE): -16.05% (-$1.0 mil)
    Quarterly return on equity: -47.81% (-$2.9 mil)
    Net income: -$1.1 mil
    Quarterly Net income: -$0.8 mil
    Pretax return on assets: -2.74% (-$987.9 mil)
    Quarterly Pretax return on assets: -8.20% (-$2,956.3 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
  • 12Total employees (full-time equivalent)
  • $36,053Total assets
  • $6,936Cash and due from depository institutions
  • $6,550Interest-bearing balances
  • $1,230Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $26,045Net loans & leases
  • $562Loan loss allowance
  • $0Trading account assets
  • $55Bank premises and fixed assets
  • $1,023Other real estate owned
  • $0Goodwill and other intangibles
  • $36,053Life insurance assets
  • $764All other assets
  • $29,997Total liabilities and capital
  • $27,570Total liabilities
  • $26,113Total deposits
  • $27,570Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,178Trading liabilities
  • $0Other borrowed funds
  • $249Subordinated debt
  • $6,056All other liabilities
  • $6,056Total equity capital
  • $6,056Total bank equity capital
  • $0Perpetual preferred stock
  • $1,661Common stock
  • $10,810Surplus
  • $-6,415Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $175Income earned, not collected on loans
  • $0Earning assets
  • $101Long-term assets (5+ years)
  • $33,825Average Assets, year-to-date
  • $7,723Average Assets, quarterly
  • $38,666Volatile liabilities
  • $37,376Insider loans
  • $24,118FHLB advances
  • $37,685Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,030Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $175Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,065Total interest income
  • $390Total interest expense
  • $1,675Net interest income
  • $0Provision for loan and lease losses
  • $329Total noninterest income
  • $0Fiduciary activities
  • $17Service charges on deposit accounts
  • $0Trading account gains & fees
  • $312Additional noninterest income
  • $3,135Total noninterest expense
  • $1,024Salaries and employee benefits
  • $189Premises and equipment expense
  • $1,922Additional noninterest expense
  • -$1,131Pre-tax net operating income
  • $70Securities gains (losses)
  • $11Applicable income taxes
  • -$1,072Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,072Net income attributable to bank
  • $0Net charge-offs
  • -$1,072Cash dividends
  • -$97Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.68%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.61%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 8.62%Noninterest expense to earning assets
  • -2.95%Net operating income to assets
  • -2.77%Return on assets (ROA)
  • -2.74%Pretax return on assets
  • -16.05%Return on equity (ROE)
  • -16.05%Retained earnings to average equity (YTD only)
  • -0.36%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 156,437Assets per employee
  • 3.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.11%Loss allowance to noncurrent loans
  • 321.14%Noncurrent assets plus other real estate owned to assets
  • 3.32%Noncurrent loans to loans
  • 0.66%Net loans and leases to deposits
  • 94.47%Net loans and leases to core deposits
  • 94.47%Equity capital to assets
  • 16.80%Core capital (leverage) ratio
  • 16.00%Tier 1 risk-based capital ratio
  • 25.00%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $38,666Average earning assets
  • $6,681Average equity
  • $36,371Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0439321Libertad Bank Ssb512 E Riverside Dr, Austin, TX 78704January 09, 2006Full Service Brick and Mortar

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