Libertad Bank SSB in Austin, Texas (TX)



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Libertad Bank SSB routing number info

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Libertad Bank SSB
GeneralFDIC Certificate #: 58082
Status: Active
Federal Reserve ID: 3347911
Date Established: January 09, 2006
WWW: http://www.libertadbank.com
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)12
Total assets$36,053
Cash and due from depository institutions$6,936
Interest-bearing balances$6,550
Securities$1,230
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$26,045
Loan loss allowance $562
Trading account assets$0
Bank premises and fixed assets$55
Other real estate owned$1,023
Goodwill and other intangibles$0
All other assets$764
Life insurance assets$36,053
Total liabilities and capital$29,997
Total liabilities$27,570
Total deposits$26,113
Interest-bearing deposits$27,570
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,178
Other borrowed funds $0
Subordinated debt $249
All other liabilities $6,056
Total equity capital$6,056
Total bank equity capital$6,056
Perpetual preferred stock$0
Common stock$1,661
Surplus$10,810
Undivided profits $-6,415
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $175
Earning assets $0
Long-term assets (5+ years) $101
Average Assets, year-to-date $33,825
Average Assets, quarterly $7,723
Volatile liabilities $38,666
Insider loans $37,376
FHLB advances $24,118
Loans and leases held for sale $37,685
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $6,030
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $175
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,065
Total interest expense $390
Net interest income $1,675
Provision for loan and lease losses $0
Total noninterest income $329
Fiduciary activities $0
Service charges on deposit accounts $17
Trading account gains & fees $0
Additional noninterest income $312
Total noninterest expense $3,135
Salaries and employee benefits $1,024
Premises and equipment expense $189
Additional noninterest expense $1,922
Pre-tax net operating income -$1,131
Securities gains (losses) $70
Applicable income taxes $11
Income before extraordinary items -$1,072
Extraordinary gains - net $0
Net income attributable to bank -$1,072
Net charge-offs $0
Cash dividends -$1,072
Sale, conversion, retirement of capital stock, net -$97
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.68%
Cost of funding earning assets 1.07%
Net interest margin 4.61%
Noninterest income to earning assets 0.90%
Noninterest expense to earning assets 8.62%
Net operating income to assets -2.95%
Return on assets (ROA) -2.77%
Pretax return on assets -2.74%
Return on equity (ROE) -16.05%
Retained earnings to average equity (YTD only) -16.05%
Net charge-offs to loans -0.36%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$156,437
Cash dividends to net income (YTD only)3.00%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.11%
Noncurrent assets plus other real estate owned to assets 321.14%
Noncurrent loans to loans 3.32%
Net loans and leases to deposits0.66%
Net loans and leases to core deposits 94.47%
Equity capital to assets 94.47%
Core capital (leverage) ratio 16.80%
Tier 1 risk-based capital ratio 16.00%
Total risk-based capital ratio 25.00%
Memoranda
Average assets$26
Average earning assets$38,666
Average equity $6,681
Average loans $36,371
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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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