Liberty Bank in Springfield, Missouri (MO)

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Liberty Bank
GeneralFDIC Certificate #: 34087
Status: Active
Federal Reserve ID: 2352235
Bank Holding Company (Regulatory Top Holder): Liberty Bancshares, Inc (RSSDID: 2352226, Location: Springfield, MO)
Date Established: October 27, 1995
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 19 (Domestic: 19, Interstate: No)
OTS Docket #: 15547
FDIC's unique #: 56225
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: October 27, 1995
Last Structure Change Effective Date: March 25, 2011
Last Structure Change Process Date: March 28, 2011
Last Data Update: March 28, 2011
Data Source Date: April 05, 2012
LocationAddress: 4625 South National Avenue, Springfield, MO 65810
County: Greene
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
Core Based Statistical Area (CBSA): Springfield, MO (#44180)
CBSA Metro Statistical Area: Springfield, MO (#44180)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $1,093.3 mil
Equity capital: $112.2 mil
Deposits held in domestic offices: $919.6 mil
Return on assets (ROA): 1.35% ($14.8 mil)
Quarterly return on assets: 1.33% ($14.5 mil)
Return on Equity (ROE): 13.32% ($14.9 mil)
Quarterly return on equity: 13.14% ($14.7 mil)
Net income: $14.3 mil
Quarterly Net income: $3.6 mil
Pretax return on assets: 2.05% ($22,412.8 mil)
Quarterly Pretax return on assets: 2.02% ($22,084.8 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)
Total employees (full-time equivalent)276
Total assets$1,093,306
Cash and due from depository institutions$130,785
Interest-bearing balances$116,124
Federal funds sold & reverse repurchase agreements$5,507
Net loans & leases$877,517
Loan loss allowance $11,954
Trading account assets$0
Bank premises and fixed assets$33,287
Other real estate owned$7,981
Goodwill and other intangibles$3,921
All other assets$25,370
Life insurance assets$1,093,306
Total liabilities and capital$981,083
Total liabilities$919,578
Total deposits$871,733
Interest-bearing deposits$919,578
Deposits held in domestic offices$82
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$57,503
Other borrowed funds $0
Subordinated debt $4,002
All other liabilities $112,223
Total equity capital$112,223
Total bank equity capital$112,223
Perpetual preferred stock$0
Common stock$1,700
Undivided profits $64,323
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $7,354
Income earned, not collected on loans $6,901
Earning assets $992
Long-term assets (5+ years) $3,957
Average Assets, year-to-date $1,008,086
Average Assets, quarterly $72,598
Volatile liabilities $1,057,802
Insider loans $1,096,825
FHLB advances $762,850
Loans and leases held for sale $1,097,155
Unused loan commitments $10,216
Tier 1 (core) risk-based capital $10,216
Tier 2 risk-based capital $108,098
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $83,565
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $53,588
Total interest expense $8,591
Net interest income $44,997
Provision for loan and lease losses $7,190
Total noninterest income $9,839
Fiduciary activities $0
Service charges on deposit accounts $3,922
Trading account gains & fees $0
Additional noninterest income $5,917
Total noninterest expense $25,995
Salaries and employee benefits $15,005
Premises and equipment expense $3,281
Additional noninterest expense $7,709
Pre-tax net operating income $21,651
Securities gains (losses) $0
Applicable income taxes $7,332
Income before extraordinary items $14,319
Extraordinary gains - net $0
Net income attributable to bank $14,319
Net charge-offs $0
Cash dividends $14,319
Sale, conversion, retirement of capital stock, net $6,445
Net operating income $4,460
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.51%
Cost of funding earning assets 0.88%
Net interest margin 4.62%
Noninterest income to earning assets 1.01%
Noninterest expense to earning assets 2.67%
Net operating income to assets 1.35%
Return on assets (ROA) 1.35%
Pretax return on assets 2.05%
Return on equity (ROE) 13.32%
Retained earnings to average equity (YTD only) 9.17%
Net charge-offs to loans 0.73%
Credit loss provision to net charge-offs 111.56%
Efficiency ratio4.47%
Assets per employee$47,204
Cash dividends to net income (YTD only)3.96%
Condition Ratios (%)
Loss allowance to loans 31.15%
Loss allowance to noncurrent loans 1.34%
Noncurrent assets plus other real estate owned to assets 173.22%
Noncurrent loans to loans 1.36%
Net loans and leases to deposits0.78%
Net loans and leases to core deposits 95.43%
Equity capital to assets 97.60%
Core capital (leverage) ratio 10.26%
Tier 1 risk-based capital ratio 9.85%
Total risk-based capital ratio 14.17%
Average assets$15
Average earning assets$1,057,802
Average equity $107,524
Average loans $972,929
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19 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
056225Liberty Bank4625 South National Avenue, Springfield, MO 65810October 27, 1995Full Service Brick and Mortar
1290374Sunshine Branch2809 East Sunshine, Springfield, MO 65804May 19, 1998Full Service Brick and Mortar
2290375Mt Vernon Branch500 E Mt Vernon Blvd, Mount Vernon, MO 65712October 27, 1996Full Service Brick and Mortar
3290376Greenfield BranchHwy 160 & Main, Greenfield, MO 65661October 28, 1997Full Service Brick and Mortar
45298Stockton BranchMain Street, Stockton, MO 65785January 01, 1912Full Service Brick and Mortar
5290377El Dorado Springs Branch1406 South Highway 32, El Dorado Springs, MO 64744Febuary 22, 1999Full Service Brick and Mortar
6290378Campbell Branch4021 S. Campbell, Springfield, MO 65807May 17, 1999Full Service Brick and Mortar
7358224Marshfield Branch1350 Spur Drive Suite 270, Marshfield, MO 65706Febuary 17, 2000Full Service Brick and Mortar
8360974Ozark Branch1401 W. Highway J., Ozark, MO 65721October 27, 2000Full Service Brick and Mortar
9434066Joplin Branch2350 South Range Line Road, Joplin, MO 64804December 27, 2004Full Service Brick and Mortar
10442473Lockwood Branch401 East 4th Street, Lockwood, MO 65682January 18, 2005Full Service Brick and Mortar
11444880Branson Branch1540 State Highway 248, Branson, MO 65616August 22, 2005Full Service Brick and Mortar
12445884Primrose Branch1414 East Primrose, Springfield, MO 65804November 15, 2005Full Service Brick and Mortar
13460069West Bypass Branch210 N West Bypass Avenue, Springfield, MO 65802December 18, 2006Full Service Brick and Mortar
14468809Joplin 7th St2311 West 7th Street, Joplin, MO 64801October 15, 2007Full Service Brick and Mortar
15473064Nixa701 W. Mt. Vernon, Nixa, MO 65714March 10, 2008Full Service Brick and Mortar
16474321Republic Rd2423 W. Republic Road, Springfield, MO 65807May 05, 2008Full Service Brick and Mortar
17481660Branson South Branch513 State Highway 165, Branson, MO 65616October 20, 2008Full Service Brick and Mortar
18456507Ozark 14th Branch393 North 21st Street, Ozark, MO 65721September 01, 2006Full Service Brick and Mortar
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