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
    WWW: http://www.lnbok.com
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Liberty National Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents