Liberty Bank in Alton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Liberty Bank - Overview

  • General
  • FDIC Certificate #: 33873
    Status: Active
    Federal Reserve ID: 2146023
    Bank Holding Company (Regulatory Top Holder): Liberty Bancshares, Inc. (RSSDID: 2533922, Location: Alton, IL)
    Date Established: January 24, 1994
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 48181
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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 24, 1994
    Last Structure Change Effective Date: October 06, 2006
    Last Structure Change Process Date: August 29, 2007
    Last Data Update: August 29, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2403 Homer Adams Parkway, Alton, IL 62002
    County: Madison
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $285.2 mil
    Equity capital: $35.9 mil
    Deposits held in domestic offices: $234.1 mil
    Return on assets (ROA): 0.89% ($2.5 mil)
    Quarterly return on assets: 1.01% ($2.9 mil)
    Return on Equity (ROE): 7.53% ($2.7 mil)
    Quarterly return on equity: 8.08% ($2.9 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.18% ($3,365.4 mil)
    Quarterly Pretax return on assets: 1.36% ($3,878.8 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
  • 52Total employees (full-time equivalent)
  • $285,207Total assets
  • $3,587Cash and due from depository institutions
  • $529Interest-bearing balances
  • $117,856Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $142,135Net loans & leases
  • $2,606Loan loss allowance
  • $0Trading account assets
  • $6,896Bank premises and fixed assets
  • $1,711Other real estate owned
  • $5,674Goodwill and other intangibles
  • $285,207Life insurance assets
  • $7,348All other assets
  • $249,286Total liabilities and capital
  • $234,101Total liabilities
  • $207,924Total deposits
  • $234,101Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 4883.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,293Trading liabilities
  • $0Other borrowed funds
  • $3,009Subordinated debt
  • $35,921All other liabilities
  • $35,921Total equity capital
  • $35,921Total bank equity capital
  • $0Perpetual preferred stock
  • $2,444Common stock
  • $11,576Surplus
  • $21,901Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,682Income earned, not collected on loans
  • $0Earning assets
  • $1,276Long-term assets (5+ years)
  • $260,520Average Assets, year-to-date
  • $96,777Average Assets, quarterly
  • $289,368Volatile liabilities
  • $285,474Insider loans
  • $176,201FHLB advances
  • $284,457Loans and leases held for sale
  • $3,668Unused loan commitments
  • $2,342Tier 1 (core) risk-based capital
  • $28,015Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,326Total unused commitments
  • $16,917Restructured Loans and leases
  • $7,582Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,576Total interest income
  • $2,494Total interest expense
  • $10,082Net interest income
  • $1,127Provision for loan and lease losses
  • $1,984Total noninterest income
  • $0Fiduciary activities
  • $839Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,145Additional noninterest income
  • $7,638Total noninterest expense
  • $3,370Salaries and employee benefits
  • $960Premises and equipment expense
  • $3,308Additional noninterest expense
  • $3,301Pre-tax net operating income
  • $101Securities gains (losses)
  • $815Applicable income taxes
  • $2,587Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,587Net income attributable to bank
  • $0Net charge-offs
  • $2,587Cash dividends
  • $1,407Sale, conversion, retirement of capital stock, net
  • $470Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 7.53%Return on equity (ROE)
  • 6.16%Retained earnings to average equity (YTD only)
  • 0.96%Net charge-offs to loans
  • 80.10%Credit loss provision to net charge-offs
  • 3.15%Efficiency ratio
  • 62,274Assets per employee
  • 5.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.17%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 45.86%Noncurrent assets plus other real estate owned to assets
  • 2.59%Noncurrent loans to loans
  • 3.93%Net loans and leases to deposits
  • 60.72%Net loans and leases to core deposits
  • 62.69%Equity capital to assets
  • 12.59%Core capital (leverage) ratio
  • 9.85%Tier 1 risk-based capital ratio
  • 15.90%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $289,368Average earning assets
  • $34,375Average equity
  • $265,889Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    048181Liberty Bank2403 Homer Adams Parkway, Alton, IL 62002January 24, 1994Full Service Brick and Mortar
    1290133Godfrey Branch2711 Godfrey Road, Godfrey, IL 62035October 17, 1997Full Service Brick and Mortar
    3466769Bethalto Branch353 West Bethalto Rd, Bethalto, IL 62010November 27, 2006Full Service Retail
    5201721Godfrey Rt 67 Branch3112 Godfrey Road, Godfrey, IL 62035May 09, 1997Full Service Brick and Mortar

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