Liberty Bank of Arkansas in Jonesboro, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


Liberty Bank of Arkansas - Overview

  • General
  • FDIC Certificate #: 3878
    Status: Active
    Federal Reserve ID: 2967349
    Bank Holding Company (Regulatory Top Holder): Liberty Bancshares, Inc (RSSDID: 3101784, Location: Jonesboro, AR)
    Date Established: Febuary 01, 1920
    WWW: http://www.mylibertybank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 46 (Domestic: 46, Interstate: No)
    FDIC's unique #: 2529
    Numeric code: 13
    Regulator: FED
    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 01, 1934
    Last Structure Change Effective Date: October 31, 2008
    Last Structure Change Process Date: October 31, 2008
    Last Data Update: October 31, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 2901 East Highland Drive, Jonesboro, AR 72401
    County: Craighead
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Jonesboro, AR (#3700)
    Combined Statistical Area (CSA): Jonesboro-Paragould, AR (#308)
    Core Based Statistical Area (CBSA): Jonesboro, AR (#27860)
    CBSA Metro Statistical Area: Jonesboro, AR (#27860)
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $2,807.0 mil
    Equity capital: $363.2 mil
    Deposits held in domestic offices: $2,160.9 mil
    Return on assets (ROA): 0.71% ($19.9 mil)
    Quarterly return on assets: 0.69% ($19.4 mil)
    Return on Equity (ROE): 5.26% ($19.1 mil)
    Quarterly return on equity: 5.27% ($19.1 mil)
    Net income: $18.8 mil
    Quarterly Net income: $4.8 mil
    Pretax return on assets: 1.07% ($30,034.5 mil)
    Quarterly Pretax return on assets: 1.05% ($29,473.2 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
  • 602Total employees (full-time equivalent)
  • $2,806,967Total assets
  • $133,845Cash and due from depository institutions
  • $95,485Interest-bearing balances
  • $674,208Securities
  • $1,850Federal funds sold & reverse repurchase agreements
  • $1,748,616Net loans & leases
  • $34,280Loan loss allowance
  • $0Trading account assets
  • $78,767Bank premises and fixed assets
  • $25,078Other real estate owned
  • $91,624Goodwill and other intangibles
  • $2,806,967Life insurance assets
  • $52,979All other assets
  • $2,443,754Total liabilities and capital
  • $2,160,883Total liabilities
  • $1,940,960Total deposits
  • $2,160,883Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 71393.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $205,204Trading liabilities
  • $0Other borrowed funds
  • $6,274Subordinated debt
  • $363,213All other liabilities
  • $363,213Total equity capital
  • $363,213Total bank equity capital
  • $0Perpetual preferred stock
  • $4Common stock
  • $257,479Surplus
  • $105,730Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $10,890Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $44,080Income earned, not collected on loans
  • $0Earning assets
  • $11,094Long-term assets (5+ years)
  • $2,520,159Average Assets, year-to-date
  • $648,045Average Assets, quarterly
  • $2,658,142Volatile liabilities
  • $2,771,958Insider loans
  • $1,866,535FHLB advances
  • $2,693,505Loans and leases held for sale
  • $3,488Unused loan commitments
  • $3,488Tier 1 (core) risk-based capital
  • $269,169Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $137,558Restructured Loans and leases
  • $22,223Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $111,908Total interest income
  • $23,349Total interest expense
  • $88,559Net interest income
  • $18,000Provision for loan and lease losses
  • $21,239Total noninterest income
  • $1,414Fiduciary activities
  • $10,063Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9,762Additional noninterest income
  • $63,434Total noninterest expense
  • $33,105Salaries and employee benefits
  • $10,958Premises and equipment expense
  • $19,371Additional noninterest expense
  • $28,364Pre-tax net operating income
  • $180Securities gains (losses)
  • $9,704Applicable income taxes
  • $18,840Income before extraordinary items
  • $0Extraordinary gains - net
  • $18,840Net income attributable to bank
  • $0Net charge-offs
  • $18,840Cash dividends
  • $10,005Sale, conversion, retirement of capital stock, net
  • $10,342Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 5.26%Return on equity (ROE)
  • 2.37%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 179.91%Credit loss provision to net charge-offs
  • 4.63%Efficiency ratio
  • 56,934Assets per employee
  • 4.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.89%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 77.77%Noncurrent assets plus other real estate owned to assets
  • 2.46%Noncurrent loans to loans
  • 2.47%Net loans and leases to deposits
  • 80.92%Net loans and leases to core deposits
  • 92.28%Equity capital to assets
  • 12.94%Core capital (leverage) ratio
  • 9.99%Tier 1 risk-based capital ratio
  • 14.42%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $2,658,142Average earning assets
  • $357,838Average equity
  • $2,371,275Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $253,811Managed Assets
  • 1Number of Accounts
  • $155,962Personal trust and agency accounts
  • $51,840Employee benefit-defined contribution accounts
  • $78,699Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $12,935Corporate trust and agency accounts
  • $3,399Investment management agency accounts
  • $9,089Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 755Number of Accounts
  • $0Personal trust and agency accounts
  • $12,935Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $97,849Other retirement accounts
  • $18,858Corporate trust and agency accounts
  • $21,446Other fiduciary accounts
  • $53,321Fiduciary accounts held in foreign offices

List of branches

  • 46 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02529Liberty Bank Of Arkansas2901 East Highland Drive, Jonesboro, AR 72401Febuary 01, 1920Full Service Brick and Mortar
    2359650Caraway Road Branch2241 South Caraway Road, Jonesboro, AR 72401Febuary 01, 2001Full Service Brick and Mortar
    3419129East Matthews Branch765 East Matthews, Jonesboro, AR 72401October 24, 2002Full Service Brick and Mortar
    8234020Monette Branch302 West Drew Avenue, Monette, AR 72447March 12, 1996Full Service Brick and Mortar
    9234021Downtown Branch211 East Washington, Jonesboro, AR 72401Febuary 26, 1998Limited Service Facility
    10234022Hilltop Branch3505 East Johnson Avenue, Jonesboro, AR 72401April 16, 1998Limited Service Facility
    11234023Bay Branch306 Elder Street, Bay, AR 72411May 24, 1999Limited Service Facility
    13423306Jonesboro Branch715 Southwest Drive, Jonesboro, AR 72401November 17, 2003Full Service Brick and Mortar
    1447248Paragould-Main Branch300 West Emerson, Paragould, AR 72450September 13, 1991Full Service Brick and Mortar
    15275126Highway 49 Sikes St BranchHighway 49 Sikes Street, Rector, AR 72461January 01, 1934Full Service Brick and Mortar
    17428776Paragould Branch2404 Linwood Drive, Paragould, AR 72450June 09, 2004Full Service Brick and Mortar
    18430088Hardy Branch1927 Hwy 62/412, Highland, AR 72542October 01, 2003Full Service Brick and Mortar
    19437798Batesville Branch1240 Main Street, Batesville, AR 72501Febuary 17, 2005Full Service Brick and Mortar
    2061645Mh Main Branch665 Highway 62 East, Mountain Home, AR 72653July 20, 1998Full Service Brick and Mortar
    2112193Siloam Springs Branch318-322 East Main Street, Siloam Springs, AR 72761June 13, 1960Full Service Brick and Mortar
    22244690Highland Park BranchHighway 68 Bypass & Mount Olive Street, Siloam Springs, AR 72761November 18, 1974Full Service Brick and Mortar
    23244691Gentry Branch512 Hwy 12, Gentry, AR 72734Febuary 02, 1998Full Service Brick and Mortar
    24364011Tontitown Branch786 East Henri De Tonti Boulevard, Tontitown, AR 72770June 24, 2002Full Service Brick and Mortar
    25433048Springdale Branch4706 South Thompson, Springdale, AR 72764November 01, 2004Full Service Brick and Mortar
    26437793Bentonville Loan Production Office1707 Southwest Commerce Drive, Suite 1, Bentonville, AR 72712Febuary 14, 2005Limited Service Loan Production
    27440494Siloam Springs East Branch2485 Highway 412 East, Siloam Springs, AR 72761May 23, 2005Full Service Brick and Mortar
    28443742Metro Branch2901 South Walton Boulevard, Bentonville, AR 72712August 17, 2005Full Service Brick and Mortar
    29448936Mountain Home East Branch2448 Highway 62 East, Mountain Home, AR 72653March 06, 2006Full Service Brick and Mortar
    30450345The Mall At Turtle Creek Branch3000 East Highland Drive, Suite 615, Jonesboro, AR 72401March 29, 2006Full Service Retail
    31450674Walnut Street Branch4000 West Walnut, Rogers, AR 72756April 17, 2006Full Service Brick and Mortar
    32452934Fayetteville Branch3010 W. 6th Street, Fayetteville, AR 72701Febuary 01, 2006Full Service Brick and Mortar
    33454257West Sunset Branch3395 West Sunset Avenue, Springdale, AR 72762August 14, 2006Full Service Brick and Mortar
    3412337Liberty Bank Of Arkansas Branch401 North Arkansas Avenue, Russellville, AR 72811September 20, 1961Full Service Brick and Mortar
    35245402Dardanelle Branch102 North Front Street, Dardanelle, AR 72834December 01, 1997Full Service Brick and Mortar
    36187756Daranelle Branch600 Union Street, Dardanelle, AR 72834October 03, 1994Full Service Brick and Mortar
    37230855Pottsville Branch5987 U.S. Highway 64 East, Pottsville, AR 72858September 03, 1997Full Service Brick and Mortar
    38230856812 North Church Branch812 North Church, Atkins, AR 72823June 19, 1998Full Service Brick and Mortar
    39245403Russellville Branch2701 West Main Street, Russellville, AR 72801September 01, 1998Full Service Brick and Mortar
    403612451714 East Main Street Branch1714 East Main Street, Russellville, AR 72811August 03, 2001Full Service Brick and Mortar
    41364105Searcy Branch1609 East Race Street, Searcy, AR 72143June 03, 2002Full Service Brick and Mortar
    42425688Clarksville Branch1000 South Rodgers, Clarksville, AR 72830Febuary 16, 2004Full Service Brick and Mortar
    43426724Morrilton Branch1302 North Business Highway 9, Morrilton, AR 72110March 15, 2004Full Service Brick and Mortar
    44428708East Race Branch3601 East Race Street, Searcy, AR 72143May 03, 2004Full Service Brick and Mortar
    45445314Parkway Branch2506 East Parkway Drive, Russellville, AR 72802October 26, 2005Full Service Brick and Mortar
    47450804Rogers Avenue Branch6804 Rogers Avenue, Fort Smith, AR 72903April 26, 2006Full Service Brick and Mortar
    48451918Beebe Capps Branch1701 West Beebe-Capps Expressway, Searcy, AR 72143June 19, 2006Full Service Brick and Mortar
    49454677Fort Smith Drive Thru Branch6701 Boston St, Fort Smith, AR 72903August 25, 2006Limited Service Facility
    50461437Van Buren Branch2110 Fayetteville Road, Van Buren, AR 72956March 05, 2007Full Service Brick and Mortar
    51468326Highway 71 South Branch9117 Highway 71 South, Fort Smith, AR 72908October 01, 2007Full Service Brick and Mortar
    52469632Fort Smith Branch4625 Old Greenwood Road, Fort Smith, AR 72903December 10, 2007Full Service Brick and Mortar
    53474035West Kingshighway Branch2300 West Kingshighway, Paragould, AR 72450April 28, 2008Full Service Brick and Mortar

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