Liberty Bank in Pensacola, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 26, 1996

  • Liberty Bank in Pensacola, Florida (FL)
  • Show street view No street view available for this location

Liberty Bank - Overview

  • General
  • FDIC Certificate #: 21705
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Whitney National Bank of Florida (#34297)
    Federal Reserve ID: 916736
    Date Established: July 25, 1974
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 12833
    FDIC's unique #: 15024
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 25, 1974
    Last Structure Change Effective Date: October 26, 1996
    Last Structure Change Process Date: November 07, 1996
    Last Data Update: November 07, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 North Palafox, Pensacola, FL 32501
    County: Escambia
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Pensacola
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Pensacola, FL (#6080)
    Core Based Statistical Area (CBSA): Pensacola-Ferry Pass-Brent, FL (#37860)
    CBSA Metro Statistical Area: Pensacola-Ferry Pass-Brent, FL (#37860)
  • Financial Summary
  • Total assets: $49.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $33Total assets
  • $51,358Cash and due from depository institutions
  • $4,862Interest-bearing balances
  • $0Securities
  • $5,251Federal funds sold & reverse repurchase agreements
  • $2,675Net loans & leases
  • $36,083Loan loss allowance
  • $504Trading account assets
  • $0Bank premises and fixed assets
  • $1,853Other real estate owned
  • $0Goodwill and other intangibles
  • $628Life insurance assets
  • $6All other assets
  • $0Total liabilities and capital
  • $51,358Total liabilities
  • $45,930Total deposits
  • $45,431Interest-bearing deposits
  • $33,301Deposits held in domestic offices
  • 45431.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $499Total equity capital
  • $499Total bank equity capital
  • $5,428Perpetual preferred stock
  • $0Common stock
  • $990Surplus
  • $2,086Undivided profits
  • Memoranda
  • $2,352Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $222Income earned, not collected on loans
  • $246Earning assets
  • $44,009Long-term assets (5+ years)
  • $4,483Average Assets, year-to-date
  • $48,947Average Assets, quarterly
  • $50,163Volatile liabilities
  • $4,577Insider loans
  • $2,853FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,046Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,449Total risk weighted assets
  • $39,251Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,770Total interest expense
  • $1,485Net interest income
  • $2,285Provision for loan and lease losses
  • $0Total noninterest income
  • $673Fiduciary activities
  • $0Service charges on deposit accounts
  • $179Trading account gains & fees
  • $0Additional noninterest income
  • $494Total noninterest expense
  • $2,110Salaries and employee benefits
  • $1,067Premises and equipment expense
  • $338Additional noninterest expense
  • $705Pre-tax net operating income
  • $848Securities gains (losses)
  • -$3Applicable income taxes
  • $275Income before extraordinary items
  • $570Extraordinary gains - net
  • $0Net income attributable to bank
  • $570Net charge-offs
  • -$73Cash dividends
  • $119Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.02%Cost of funding earning assets
  • 3.55%Net interest margin
  • 5.46%Noninterest income to earning assets
  • 1.61%Noninterest expense to earning assets
  • 5.05%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 1.73%Return on equity (ROE)
  • 11.18%Retained earnings to average equity (YTD only)
  • 8.84%Net charge-offs to loans
  • -0.22%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,332Assets per employee
  • 1.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.88%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 227.03%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.61%Net loans and leases to deposits
  • 79.42%Net loans and leases to core deposits
  • 88.32%Equity capital to assets
  • 10.57%Core capital (leverage) ratio
  • 10.95%Tier 1 risk-based capital ratio
  • 13.88%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $48,947Average earning assets
  • $5,100Average equity
  • $41,815Average loans

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