Liberty Bank and Trust Company in New Orleans, Louisiana (LA), KS, MI, MS, MO
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Liberty Bank and Trust Company in New Orleans, Louisiana (LA), KS, MI, MS, MO
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Liberty Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 20856
    Status: Active
    Federal Reserve ID: 283438
    Bank Holding Company (Regulatory Top Holder): Liberty Financial Services, Inc. (RSSDID: 1130548, Location: New Orleans, LA)
    Date Established: November 16, 1972
    WWW: http://www.libertybank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 23 (Domestic: 23, Interstate: Yes)
    OTS Docket #: 10886
    FDIC's unique #: 14407
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: November 16, 1972
    Last Structure Change Effective Date: November 06, 2009
    Last Structure Change Process Date: November 09, 2009
    Last Data Update: November 09, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 6600 Plaza Drive, Suite 600, New Orleans, LA 70127
    County: Orleans
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Baton Rouge
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): New Orleans, LA (#5560)
    Combined Statistical Area (CSA): New Orleans-Metairie-Bogalusa, LA (#406)
    Core Based Statistical Area (CBSA): New Orleans-Metairie-Kenner, LA (#35380)
    CBSA Metro Statistical Area: New Orleans-Metairie-Kenner, LA (#35380)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
    Corrections
  • Financial Summary
  • Total assets: $559.4 mil
    Equity capital: $41.8 mil
    Deposits held in domestic offices: $509.4 mil
    Return on assets (ROA): 0.55% ($3.1 mil)
    Quarterly return on assets: 0.75% ($4.2 mil)
    Return on Equity (ROE): 7.58% ($3.2 mil)
    Quarterly return on equity: 10.09% ($4.2 mil)
    Net income: $2.9 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 0.60% ($3,356.1 mil)
    Quarterly Pretax return on assets: 0.96% ($5,369.8 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
  • 150Total employees (full-time equivalent)
  • $559,358Total assets
  • $25,215Cash and due from depository institutions
  • $20,536Interest-bearing balances
  • $279,835Securities
  • $4,357Federal funds sold & reverse repurchase agreements
  • $205,423Net loans & leases
  • $4,826Loan loss allowance
  • $0Trading account assets
  • $12,645Bank premises and fixed assets
  • $1,662Other real estate owned
  • $0Goodwill and other intangibles
  • $559,358Life insurance assets
  • $30,221All other assets
  • $517,527Total liabilities and capital
  • $509,372Total liabilities
  • $407,732Total deposits
  • $509,372Interest-bearing deposits
  • $60Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $5,155Subordinated debt
  • $41,831All other liabilities
  • $41,831Total equity capital
  • $41,831Total bank equity capital
  • $12,000Perpetual preferred stock
  • $200Common stock
  • $1,600Surplus
  • $28,031Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,527Income earned, not collected on loans
  • $0Earning assets
  • $2,286Long-term assets (5+ years)
  • $510,151Average Assets, year-to-date
  • $186,475Average Assets, quarterly
  • $538,877Volatile liabilities
  • $565,454Insider loans
  • $276,284FHLB advances
  • $568,621Loans and leases held for sale
  • $4,192Unused loan commitments
  • $4,192Tier 1 (core) risk-based capital
  • $37,757Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,697Restructured Loans and leases
  • $1,506Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,279Total interest income
  • $4,016Total interest expense
  • $18,263Net interest income
  • $2,021Provision for loan and lease losses
  • $6,473Total noninterest income
  • $0Fiduciary activities
  • $1,543Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,930Additional noninterest income
  • $20,002Total noninterest expense
  • $8,932Salaries and employee benefits
  • $3,526Premises and equipment expense
  • $7,544Additional noninterest expense
  • $2,713Pre-tax net operating income
  • $536Securities gains (losses)
  • $304Applicable income taxes
  • $2,945Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,945Net income attributable to bank
  • $0Net charge-offs
  • $2,945Cash dividends
  • $1,282Sale, conversion, retirement of capital stock, net
  • $856Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 3.71%Net interest margin
  • 1.31%Noninterest income to earning assets
  • 4.06%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 7.58%Return on equity (ROE)
  • 5.38%Retained earnings to average equity (YTD only)
  • 0.65%Net charge-offs to loans
  • 157.64%Credit loss provision to net charge-offs
  • 3.69%Efficiency ratio
  • 80,862Assets per employee
  • 3.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.07%Loss allowance to loans
  • 2.30%Loss allowance to noncurrent loans
  • 87.32%Noncurrent assets plus other real estate owned to assets
  • 1.29%Noncurrent loans to loans
  • 2.63%Net loans and leases to deposits
  • 40.33%Net loans and leases to core deposits
  • 45.52%Equity capital to assets
  • 7.48%Core capital (leverage) ratio
  • 6.64%Tier 1 risk-based capital ratio
  • 13.67%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $538,877Average earning assets
  • $38,833Average equity
  • $492,855Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    202575681314 North 5th Street Branch1314 North 5th Street, Kansas City, KS 66101September 30, 1996Full Service Brick and Mortar
  • 14 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014407Liberty Bank And Trust Company6600 Plaza Drive, Suite 600, New Orleans, LA 70127November 16, 1972Full Service Brick and Mortar
    1251827Gentilly Branch3002 Gentilly Boulevard, New Orleans, LA 70122September 19, 1974Full Service Brick and Mortar
    2251828New Orleans East Branch7200 Crowder Boulevard, New Orleans, LA 70127September 17, 1981Full Service Brick and Mortar
    32518291950 St. Bernard Avenue1950 St. Bernard Avenue, New Orleans, LA 70116September 25, 1992Full Service Brick and Mortar
    42518301907 St. Bernard Branch1907 St. Bernard Avenue, New Orleans, Orleans Parish, LA 70116September 25, 1992Limited Service Facility
    5480227990 Scenic Highway Branch7990 Scenic Highway, Baton Rouge, LA 70807January 29, 1993Full Service Brick and Mortar
    7227548Magazine Street Branch3200 Magazine Street, New Orleans, LA 70115November 07, 1988Full Service Brick and Mortar
    8251831De Gaulle Branch3535 General De Gaulle Drive, New Orleans, LA 70114July 29, 1996Full Service Brick and Mortar
    9251832Perkins Road Branch4707 Perkins Road, Baton Rouge, LA 70808July 29, 1996Full Service Brick and Mortar
    11257883Lake Oaks Branch6600 Franklin Avenue, New Orleans, LA 70122June 10, 1996Full Service Brick and Mortar
    13432380Greenwell Springs Branch8796 Greenwell Springs Road, Baton Rouge, LA 70814July 19, 2004Full Service Brick and Mortar
    17469270Baton Rouge Loan Production Office3233 South Sherwood Forest Boulevard, Suite 108, Baton Rouge, LA 70816June 06, 2006Limited Service Loan Production
    21463792714 Canal Street Branch2714 Canal Street, New Orleans, LA 70119September 28, 1990Full Service Brick and Mortar
    23466267Opelousas Branch323 South Academy Street Suite A, Opelousas, LA 70570Febuary 26, 2007Full Service Retail
  • 1 Michigan Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    25431639108 Woodward Avenue Branch9108 Woodward Ave, Detroit, MI 48202November 01, 1947Full Service Brick and Mortar
  • 1 Mississippi Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    27503131Five Points Branch2325 Livingston Road, Jackson, MS 39217January 04, 2010Full Service Brick and Mortar
  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1817120Douglass National Bank Branch1670 East 63rd Street, Kansas City, MO 64110September 03, 1983Full Service Brick and Mortar
  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    16469266Liberty Bank And Trust Company Loan1509 Wentworth Street, Houston, TX 77004June 19, 2007Limited Service Loan Production

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