Liberty FSB in Enid, Oklahoma (OK), TX
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Liberty FSB in Enid, Oklahoma (OK), TX
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Liberty FSB - Overview

  • General
  • FDIC Certificate #: 28407
    Status: Active
    Federal Reserve ID: 284574
    Date Established: January 01, 1918
    WWW: http://www.libertyfederalonline.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: Yes)
    OTS Docket #: 1532
    FDIC's unique #: 41241
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 09, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 West Broadway, Enid, OK 73701
    County: Garfield
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Enid, OK (#2340)
    Core Based Statistical Area (CBSA): Enid, OK (#21420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $126.0 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $120.2 mil
    Return on assets (ROA): 0.00% ($0.0 mil)
    Quarterly return on assets: 0.00% ($0.0 mil)
    Return on Equity (ROE): -0.02% (-$0.0 mil)
    Quarterly return on equity: 0.08% ($0.0 mil)
    Net income: -$0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.00% ($0.0 mil)
    Quarterly Pretax return on assets: 0.00% ($0.0 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
  • 38Total employees (full-time equivalent)
  • $126,030Total assets
  • $10,385Cash and due from depository institutions
  • $986Interest-bearing balances
  • $9,958Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $85,644Net loans & leases
  • $1,961Loan loss allowance
  • $0Trading account assets
  • $3,731Bank premises and fixed assets
  • $12,324Other real estate owned
  • $0Goodwill and other intangibles
  • $126,030Life insurance assets
  • $3,988All other assets
  • $121,018Total liabilities and capital
  • $120,169Total liabilities
  • $114,978Total deposits
  • $120,169Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $849Subordinated debt
  • $5,012All other liabilities
  • $5,012Total equity capital
  • $5,012Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $5,012Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,030Income earned, not collected on loans
  • $0Earning assets
  • $320Long-term assets (5+ years)
  • $96,588Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $131,004Volatile liabilities
  • $128,314Insider loans
  • $84,826FHLB advances
  • $125,980Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,218Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,092Restructured Loans and leases
  • $731Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,025Total interest income
  • $1,971Total interest expense
  • $3,054Net interest income
  • -$900Provision for loan and lease losses
  • $193Total noninterest income
  • $0Fiduciary activities
  • $19Service charges on deposit accounts
  • $0Trading account gains & fees
  • $174Additional noninterest income
  • $4,148Total noninterest expense
  • $1,902Salaries and employee benefits
  • $1,204Premises and equipment expense
  • $1,042Additional noninterest expense
  • -$1Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$1Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1Net income attributable to bank
  • $0Net charge-offs
  • -$1Cash dividends
  • -$190Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 2.04%Cost of funding earning assets
  • 3.16%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 4.29%Noninterest expense to earning assets
  • -0.00%Net operating income to assets
  • -0.00%Return on assets (ROA)
  • -0.00%Pretax return on assets
  • -0.02%Return on equity (ROE)
  • -0.02%Retained earnings to average equity (YTD only)
  • -0.20%Net charge-offs to loans
  • 473.68%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 127,749Assets per employee
  • 3.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.24%Loss allowance to noncurrent loans
  • 64.72%Noncurrent assets plus other real estate owned to assets
  • 12.18%Noncurrent loans to loans
  • 3.46%Net loans and leases to deposits
  • 71.27%Net loans and leases to core deposits
  • 74.13%Equity capital to assets
  • 3.98%Core capital (leverage) ratio
  • 4.14%Tier 1 risk-based capital ratio
  • 6.15%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $131,004Average earning assets
  • $5,290Average equity
  • $96,602Average 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
  • $49,376Managed Assets
  • 1Number of Accounts
  • $7,902Personal trust and agency accounts
  • $5,044Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $2,858Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 155Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $41,474Other retirement accounts
  • $3,238Corporate trust and agency accounts
  • $29,858Other fiduciary accounts
  • $7,339Fiduciary accounts held in foreign offices

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041241Liberty Fsb401 West Broadway, Enid, OK 73701January 01, 1918Full Service Brick and Mortar
    1267375232 South Main Branch232 South Main, Stillwater, OK 74074January 01, 1918Full Service Brick and Mortar
    101267377550 South Oakwood Branch550 South Oakwood, Enid, OK 73703January 01, 1918Full Service Brick and Mortar
  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    103498686Lakewood Branch6220 Gaston Avenue, Suite 100, Dallas, TX 75214January 03, 2005Full Service Brick and Mortar
    104498687Frisco Branch7000 Preston Road, Frisco, TX 75034March 10, 2009Full Service Brick and Mortar

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