Liberty Federal Savings Bank in Ironton, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Liberty Federal Savings Bank in Ironton, Ohio (OH)
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Liberty Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 28463
    Status: Active
    Federal Reserve ID: 534073
    Date Established: January 01, 1896
    WWW: http://www.libertyfed.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 1639
    FDIC's unique #: 41297
    Numeric code: 33
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: Febuary 21, 1938
    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: 314 Park Avenue, Ironton, OH 45638
    County: Lawrence
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Huntington-Ashland, WV-KY-OH (#3400)
    Core Based Statistical Area (CBSA): Huntington-Ashland, WV-KY-OH (#26580)
    CBSA Metro Statistical Area: Huntington-Ashland, WV-KY-OH (#26580)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $53.5 mil
    Equity capital: $6.7 mil
    Deposits held in domestic offices: $46.5 mil
    Return on assets (ROA): 0.44% ($0.2 mil)
    Quarterly return on assets: 0.49% ($0.3 mil)
    Return on Equity (ROE): 3.55% ($0.2 mil)
    Quarterly return on equity: 3.90% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.55% ($294.3 mil)
    Quarterly Pretax return on assets: 0.63% ($337.1 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
  • 16Total employees (full-time equivalent)
  • $53,512Total assets
  • $7,416Cash and due from depository institutions
  • $6,614Interest-bearing balances
  • $6,232Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $35,459Net loans & leases
  • $142Loan loss allowance
  • $0Trading account assets
  • $1,198Bank premises and fixed assets
  • $194Other real estate owned
  • $0Goodwill and other intangibles
  • $53,512Life insurance assets
  • $3,013All other assets
  • $46,822Total liabilities and capital
  • $46,462Total liabilities
  • $40,485Total deposits
  • $46,462Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $360Subordinated debt
  • $6,690All other liabilities
  • $6,690Total equity capital
  • $6,690Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,690Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $313Income earned, not collected on loans
  • $0Earning assets
  • $214Long-term assets (5+ years)
  • $48,305Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $53,155Volatile liabilities
  • $53,533Insider loans
  • $28,043FHLB advances
  • $53,354Loans and leases held for sale
  • $2,308Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,586Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,763Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,377Total interest income
  • $495Total interest expense
  • $1,882Net interest income
  • $12Provision for loan and lease losses
  • $186Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $186Additional noninterest income
  • $1,763Total noninterest expense
  • $994Salaries and employee benefits
  • $442Premises and equipment expense
  • $327Additional noninterest expense
  • $293Pre-tax net operating income
  • $0Securities gains (losses)
  • $60Applicable income taxes
  • $233Income before extraordinary items
  • $0Extraordinary gains - net
  • $233Net income attributable to bank
  • $0Net charge-offs
  • $233Cash dividends
  • $16Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 3.67%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 3.55%Return on equity (ROE)
  • 3.55%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 75.00%Credit loss provision to net charge-offs
  • 19.06%Efficiency ratio
  • 85,251Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.40%Loss allowance to noncurrent loans
  • 45.37%Noncurrent assets plus other real estate owned to assets
  • 0.95%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 76.32%Net loans and leases to core deposits
  • 77.32%Equity capital to assets
  • 12.50%Core capital (leverage) ratio
  • 12.34%Tier 1 risk-based capital ratio
  • 23.49%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $53,155Average earning assets
  • $6,559Average equity
  • $47,992Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041297Liberty Federal Savings Bank314 Park Avenue, Ironton, OH 45638January 01, 1896Full Service Brick and Mortar
    1499267Proctorville Branch347 County Road 411, Proctorville, OH 45669June 30, 2006Full Service Brick and Mortar

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