Liberty Bank and Trust, National Association in Pocahontas, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 13, 1998

  • Liberty Bank and Trust, National Association in Pocahontas, Iowa (IA)
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Liberty Bank and Trust, National Association - Overview

  • General
  • FDIC Certificate #: 4458
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commercial Federal Bank, a Federal Savings Bank (#30341)
    Federal Reserve ID: 618245
    Date Established: December 23, 1902
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 13626
    FDIC's unique #: 2946
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 13, 1998
    Last Structure Change Process Date: March 04, 1998
    Last Data Update: March 04, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 11 West Elm, Pocahontas, IA 50574
    County: Pocahontas
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Des Moines
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $57.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 17Total employees (full-time equivalent)
  • $57,637Total assets
  • $2,083Cash and due from depository institutions
  • $198Interest-bearing balances
  • $6,753Securities
  • $50Federal funds sold & reverse repurchase agreements
  • $46,862Net loans & leases
  • $396Loan loss allowance
  • $0Trading account assets
  • $478Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,411All other assets
  • $57,637Total liabilities and capital
  • $52,562Total liabilities
  • $49,966Total deposits
  • $43,703Interest-bearing deposits
  • $49,966Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,062Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $534All other liabilities
  • $5,075Total equity capital
  • $5,075Total bank equity capital
  • $5,075Perpetual preferred stock
  • $0Common stock
  • $520Surplus
  • $1,712Undivided profits
  • Memoranda
  • $2,843Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $127Earning assets
  • $0Long-term assets (5+ years)
  • $912Average Assets, year-to-date
  • $53,863Average Assets, quarterly
  • $3,492Volatile liabilities
  • $54,368Insider loans
  • $56,332FHLB advances
  • $5,812Loans and leases held for sale
  • $841Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,019Total unused commitments
  • $0Restructured Loans and leases
  • $49,244Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $4,306Total interest income
  • $2,023Total interest expense
  • $2,283Net interest income
  • $92Provision for loan and lease losses
  • $306Total noninterest income
  • $0Fiduciary activities
  • $183Service charges on deposit accounts
  • $0Trading account gains & fees
  • $123Additional noninterest income
  • $1,281Total noninterest expense
  • $575Salaries and employee benefits
  • $114Premises and equipment expense
  • $592Additional noninterest expense
  • $1,216Pre-tax net operating income
  • $7Securities gains (losses)
  • $421Applicable income taxes
  • $802Income before extraordinary items
  • $0Extraordinary gains - net
  • $802Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $87Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.43%Yield on earning assets
  • 3.96%Cost of funding earning assets
  • 4.47%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • 1.47%Net operating income to assets
  • 1.48%Return on assets (ROA)
  • 2.25%Pretax return on assets
  • 17.25%Return on equity (ROE)
  • 17.25%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 105.75%Credit loss provision to net charge-offs
  • 15.03%Efficiency ratio
  • 49,479Assets per employee
  • 3.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.84%Loss allowance to noncurrent loans
  • 311.81%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.27%Net loans and leases to deposits
  • 93.79%Net loans and leases to core deposits
  • 101.40%Equity capital to assets
  • 8.81%Core capital (leverage) ratio
  • 9.05%Tier 1 risk-based capital ratio
  • 10.27%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $54,368Average earning assets
  • $4,650Average equity
  • $51,107Average loans

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