Liberty Bank in Springfield, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Liberty Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 276Total employees (full-time equivalent)
  • $1,093,306Total assets
  • $130,785Cash and due from depository institutions
  • $116,124Interest-bearing balances
  • $8,938Securities
  • $5,507Federal funds sold & reverse repurchase agreements
  • $877,517Net loans & leases
  • $11,954Loan loss allowance
  • $0Trading account assets
  • $33,287Bank premises and fixed assets
  • $7,981Other real estate owned
  • $3,921Goodwill and other intangibles
  • $1,093,306Life insurance assets
  • $25,370All other assets
  • $981,083Total liabilities and capital
  • $919,578Total liabilities
  • $871,733Total deposits
  • $919,578Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $57,503Trading liabilities
  • $0Other borrowed funds
  • $4,002Subordinated debt
  • $112,223All other liabilities
  • $112,223Total equity capital
  • $112,223Total bank equity capital
  • $0Perpetual preferred stock
  • $1,700Common stock
  • $46,200Surplus
  • $64,323Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,354Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,901Income earned, not collected on loans
  • $992Earning assets
  • $3,957Long-term assets (5+ years)
  • $1,008,086Average Assets, year-to-date
  • $72,598Average Assets, quarterly
  • $1,057,802Volatile liabilities
  • $1,096,825Insider loans
  • $762,850FHLB advances
  • $1,097,155Loans and leases held for sale
  • $10,216Unused loan commitments
  • $10,216Tier 1 (core) risk-based capital
  • $108,098Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $83,565Restructured Loans and leases
  • $6,051Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $53,588Total interest income
  • $8,591Total interest expense
  • $44,997Net interest income
  • $7,190Provision for loan and lease losses
  • $9,839Total noninterest income
  • $0Fiduciary activities
  • $3,922Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,917Additional noninterest income
  • $25,995Total noninterest expense
  • $15,005Salaries and employee benefits
  • $3,281Premises and equipment expense
  • $7,709Additional noninterest expense
  • $21,651Pre-tax net operating income
  • $0Securities gains (losses)
  • $7,332Applicable income taxes
  • $14,319Income before extraordinary items
  • $0Extraordinary gains - net
  • $14,319Net income attributable to bank
  • $0Net charge-offs
  • $14,319Cash dividends
  • $6,445Sale, conversion, retirement of capital stock, net
  • $4,460Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 4.62%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 2.67%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 2.05%Pretax return on assets
  • 13.32%Return on equity (ROE)
  • 9.17%Retained earnings to average equity (YTD only)
  • 0.73%Net charge-offs to loans
  • 111.56%Credit loss provision to net charge-offs
  • 4.47%Efficiency ratio
  • 47,204Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.15%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 173.22%Noncurrent assets plus other real estate owned to assets
  • 1.36%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 95.43%Net loans and leases to core deposits
  • 97.60%Equity capital to assets
  • 10.26%Core capital (leverage) ratio
  • 9.85%Tier 1 risk-based capital ratio
  • 14.17%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,057,802Average earning assets
  • $107,524Average equity
  • $972,929Average loans

List of branches

  • 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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