Liberty Bank of Owasso in Owasso, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 12, 1993

Liberty Bank of Owasso in Owasso, Oklahoma (OK)
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Liberty Bank of Owasso - Overview

General
FDIC Certificate #: 23145
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: RCB Bank (#15399)
Federal Reserve ID: 453053
Date Established: June 30, 1980
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 16216
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: June 30, 1980
Last Structure Change Effective Date: November 12, 1993
Last Structure Change Process Date: November 29, 1993
Last Data Update: November 29, 1993
Data Source Date: April 05, 2012
Location
Address: 11633 East 86th Street, North, Owasso, OK 74055
County: Tulsa
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Tulsa, OK (#8560)
Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
CBSA Metro Statistical Area: Tulsa, OK (#46140)
Financial Summary
Total assets: $29.3 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$23Total assets
$29,779Cash and due from depository institutions
$2,283Interest-bearing balances
$0Securities
$4,040Federal funds sold & reverse repurchase agreements
$2,700Net loans & leases
$18,833Loan loss allowance
$279Trading account assets
$0Bank premises and fixed assets
$1,296Other real estate owned
$124Goodwill and other intangibles
$503Life insurance assets
$0All other assets
$0Total liabilities and capital
$29,779Total liabilities
$27,832Total deposits
$27,718Interest-bearing deposits
$22,847Deposits held in domestic offices
27718.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$114Total equity capital
$114Total bank equity capital
$1,947Perpetual preferred stock
$0Common stock
$400Surplus
$400Undivided profits
Memoranda
$1,147Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$319Income earned, not collected on loans
$83Earning assets
$25,573Long-term assets (5+ years)
$79Average Assets, year-to-date
$27,291Average Assets, quarterly
$28,856Volatile liabilities
$1,525Insider loans
$140FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$579Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,947Total risk weighted assets
$21,417Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$2,255Total interest expense
$942Net interest income
$1,313Provision for loan and lease losses
$85Total noninterest income
$434Fiduciary activities
$0Service charges on deposit accounts
$272Trading account gains & fees
$0Additional noninterest income
$162Total noninterest expense
$1,115Salaries and employee benefits
$551Premises and equipment expense
$270Additional noninterest expense
$294Pre-tax net operating income
$547Securities gains (losses)
$0Applicable income taxes
$205Income before extraordinary items
$342Extraordinary gains - net
$0Net income attributable to bank
$342Net charge-offs
$94Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.38%Cost of funding earning assets
3.92%Net interest margin
5.46%Noninterest income to earning assets
1.80%Noninterest expense to earning assets
4.64%Net operating income to assets
1.25%Return on assets (ROA)
1.25%Pretax return on assets
2.00%Return on equity (ROE)
19.34%Retained earnings to average equity (YTD only)
19.34%Net charge-offs to loans
0.51%Credit loss provision to net charge-offs
90.43%Efficiency ratio
63,824Assets per employee
1.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.46%Loss allowance to noncurrent loans
87.46%Noncurrent assets plus other real estate owned to assets
1.49%Noncurrent loans to loans
1.67%Net loans and leases to deposits
67.95%Net loans and leases to core deposits
71.90%Equity capital to assets
6.54%Core capital (leverage) ratio
6.80%Tier 1 risk-based capital ratio
9.09%Total risk-based capital ratio
Memoranda
$10Average assets
$27,291Average earning assets
$1,768Average equity
$24,051Average loans

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