Liberty National Bank in Lawton, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Liberty National Bank - Overview

  • General
  • FDIC Certificate #: 11522
    Status: Active
    Federal Reserve ID: 68756
    Bank Holding Company (Regulatory Top Holder): B.O.e. Bancshares, Inc. (RSSDID: 1065172, Location: Lawton, OK)
    Date Established: January 01, 1902
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 15647
    FDIC's unique #: 7363
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 629 S W C Avenue, Lawton, OK 73501
    County: Comanche
    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): Lawton, OK (#4200)
    Core Based Statistical Area (CBSA): Lawton, OK (#30020)
    CBSA Metro Statistical Area: Lawton, OK (#30020)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $215.5 mil
    Equity capital: $22.6 mil
    Deposits held in domestic offices: $186.1 mil
    Return on assets (ROA): 1.71% ($3.7 mil)
    Quarterly return on assets: 1.67% ($3.6 mil)
    Return on Equity (ROE): 17.62% ($4.1 mil)
    Quarterly return on equity: 16.30% ($3.7 mil)
    Net income: $3.7 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.71% ($3,685.4 mil)
    Quarterly Pretax return on assets: 1.67% ($3,599.2 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
  • 59Total employees (full-time equivalent)
  • $215,519Total assets
  • $5,390Cash and due from depository institutions
  • $1,708Interest-bearing balances
  • $89,703Securities
  • $379Federal funds sold & reverse repurchase agreements
  • $107,902Net loans & leases
  • $989Loan loss allowance
  • $0Trading account assets
  • $4,571Bank premises and fixed assets
  • $160Other real estate owned
  • $534Goodwill and other intangibles
  • $215,519Life insurance assets
  • $6,880All other assets
  • $192,930Total liabilities and capital
  • $186,131Total liabilities
  • $145,567Total deposits
  • $186,131Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $799Subordinated debt
  • $22,589All other liabilities
  • $22,589Total equity capital
  • $22,589Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $11,849Surplus
  • $10,540Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $949Income earned, not collected on loans
  • $0Earning assets
  • $1,305Long-term assets (5+ years)
  • $199,692Average Assets, year-to-date
  • $104,140Average Assets, quarterly
  • $214,808Volatile liabilities
  • $216,702Insider loans
  • $115,316FHLB advances
  • $217,066Loans and leases held for sale
  • $3,439Unused loan commitments
  • $3,439Tier 1 (core) risk-based capital
  • $19,915Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,353Restructured Loans and leases
  • $305Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,375Total interest income
  • $1,625Total interest expense
  • $8,750Net interest income
  • $300Provision for loan and lease losses
  • $2,084Total noninterest income
  • $0Fiduciary activities
  • $1,128Service charges on deposit accounts
  • $0Trading account gains & fees
  • $956Additional noninterest income
  • $6,867Total noninterest expense
  • $3,209Salaries and employee benefits
  • $649Premises and equipment expense
  • $3,009Additional noninterest expense
  • $3,667Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,667Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,667Net income attributable to bank
  • $0Net charge-offs
  • $3,667Cash dividends
  • $213Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 4.42%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 3.47%Noninterest expense to earning assets
  • 1.71%Net operating income to assets
  • 1.71%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 17.62%Return on equity (ROE)
  • 12.34%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 140.85%Credit loss provision to net charge-offs
  • 18.62%Efficiency ratio
  • 63,384Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.00%Loss allowance to loans
  • 0.91%Loss allowance to noncurrent loans
  • 104.21%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 57.97%Net loans and leases to core deposits
  • 63.18%Equity capital to assets
  • 10.48%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 17.27%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $214,808Average earning assets
  • $20,806Average equity
  • $197,832Average loans

List of branches

  • 4 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07363Liberty National Bank629 S W C Avenue, Lawton, OK 73501January 01, 1902Full Service Brick and Mortar
    1224770Liberty National Bank - Elgin Branch701 Eighth Street, Elgin, OK 73538March 02, 1998Full Service Brick and Mortar
    3419648Liberty National Bank - West Gore4005 West Gore Ave, Lawton, OK 73501October 07, 2002Full Service Brick and Mortar
    4431447Liberty National Bank - Medicine Par23975 State Hwy 49, Lawton, OK 73507June 03, 2004Full Service Brick and Mortar

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