Liberty Bank of Arkansas in Jonesboro, Arkansas (AR)

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Liberty Bank of Arkansas routing number info

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Liberty Bank of Arkansas
GeneralFDIC 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
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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Financial SummaryTotal 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)
Total employees (full-time equivalent)602
Total assets$2,806,967
Cash and due from depository institutions$133,845
Interest-bearing balances$95,485
Federal funds sold & reverse repurchase agreements$1,850
Net loans & leases$1,748,616
Loan loss allowance $34,280
Trading account assets$0
Bank premises and fixed assets$78,767
Other real estate owned$25,078
Goodwill and other intangibles$91,624
All other assets$52,979
Life insurance assets$2,806,967
Total liabilities and capital$2,443,754
Total liabilities$2,160,883
Total deposits$1,940,960
Interest-bearing deposits$2,160,883
Deposits held in domestic offices$69
% insured (estimated)71393.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$205,204
Other borrowed funds $0
Subordinated debt $6,274
All other liabilities $363,213
Total equity capital$363,213
Total bank equity capital$363,213
Perpetual preferred stock$0
Common stock$4
Undivided profits $105,730
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $10,890
Income earned, not collected on loans $44,080
Earning assets $0
Long-term assets (5+ years) $11,094
Average Assets, year-to-date $2,520,159
Average Assets, quarterly $648,045
Volatile liabilities $2,658,142
Insider loans $2,771,958
FHLB advances $1,866,535
Loans and leases held for sale $2,693,505
Unused loan commitments $3,488
Tier 1 (core) risk-based capital $3,488
Tier 2 risk-based capital $269,169
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $137,558
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $111,908
Total interest expense $23,349
Net interest income $88,559
Provision for loan and lease losses $18,000
Total noninterest income $21,239
Fiduciary activities $1,414
Service charges on deposit accounts $10,063
Trading account gains & fees $0
Additional noninterest income $9,762
Total noninterest expense $63,434
Salaries and employee benefits $33,105
Premises and equipment expense $10,958
Additional noninterest expense $19,371
Pre-tax net operating income $28,364
Securities gains (losses) $180
Applicable income taxes $9,704
Income before extraordinary items $18,840
Extraordinary gains - net $0
Net income attributable to bank $18,840
Net charge-offs $0
Cash dividends $18,840
Sale, conversion, retirement of capital stock, net $10,005
Net operating income $10,342
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.72%
Cost of funding earning assets 0.98%
Net interest margin 3.73%
Noninterest income to earning assets 0.90%
Noninterest expense to earning assets 2.68%
Net operating income to assets 0.70%
Return on assets (ROA) 0.71%
Pretax return on assets 1.07%
Return on equity (ROE) 5.26%
Retained earnings to average equity (YTD only) 2.37%
Net charge-offs to loans 0.59%
Credit loss provision to net charge-offs 179.91%
Efficiency ratio4.63%
Assets per employee$56,934
Cash dividends to net income (YTD only)4.66%
Condition Ratios (%)
Loss allowance to loans 54.89%
Loss allowance to noncurrent loans 1.92%
Noncurrent assets plus other real estate owned to assets 77.77%
Noncurrent loans to loans 2.46%
Net loans and leases to deposits2.47%
Net loans and leases to core deposits 80.92%
Equity capital to assets 92.28%
Core capital (leverage) ratio 12.94%
Tier 1 risk-based capital ratio 9.99%
Total risk-based capital ratio 14.42%
Average assets$16
Average earning assets$2,658,142
Average equity $357,838
Average loans $2,371,275
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$253,811
Number of Accounts1
Personal trust and agency accounts$155,962
Employee benefit-defined contribution accounts$51,840
Employee benefit-defined benefit accounts$78,699
Other retirement accounts$0
Corporate trust and agency accounts$12,935
Investment management agency accounts$3,399
Other fiduciary accounts$9,089
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts755
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$12,935
Employee benefit-defined benefit accounts$0
Other retirement accounts$97,849
Corporate trust and agency accounts$18,858
Other fiduciary accounts$21,446
Fiduciary accounts held in foreign offices$53,321
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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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