Liberty National Bank in Ada, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Liberty National Bank - Overview

  • General
  • FDIC Certificate #: 6516
    Status: Active
    Federal Reserve ID: 130813
    Bank Holding Company (Regulatory Top Holder): Liberty Bancshares, Inc. (RSSDID: 1246579, Location: Ada, OH)
    Date Established: October 01, 1893
    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 #: 10519
    FDIC's unique #: 4357
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 13, 2006
    Last Structure Change Process Date: October 31, 2006
    Last Data Update: October 31, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 118 South Main Street, Ada, OH 45810
    County: Hardin
    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
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $203.2 mil
    Equity capital: $22.2 mil
    Deposits held in domestic offices: $163.7 mil
    Return on assets (ROA): 0.98% ($2.0 mil)
    Quarterly return on assets: 0.92% ($1.9 mil)
    Return on Equity (ROE): 9.28% ($2.0 mil)
    Quarterly return on equity: 8.40% ($1.8 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.25% ($2,540.0 mil)
    Quarterly Pretax return on assets: 1.20% ($2,438.4 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
  • 58Total employees (full-time equivalent)
  • $203,200Total assets
  • $4,670Cash and due from depository institutions
  • $7Interest-bearing balances
  • $31,298Securities
  • $6,221Federal funds sold & reverse repurchase agreements
  • $147,565Net loans & leases
  • $1,816Loan loss allowance
  • $0Trading account assets
  • $4,095Bank premises and fixed assets
  • $0Other real estate owned
  • $1,833Goodwill and other intangibles
  • $203,200Life insurance assets
  • $7,518All other assets
  • $181,042Total liabilities and capital
  • $163,700Total liabilities
  • $125,043Total deposits
  • $163,700Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $2,342Subordinated debt
  • $22,158All other liabilities
  • $22,158Total equity capital
  • $22,158Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $6,000Surplus
  • $15,358Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,819Income earned, not collected on loans
  • $0Earning assets
  • $1,209Long-term assets (5+ years)
  • $185,091Average Assets, year-to-date
  • $93,637Average Assets, quarterly
  • $201,645Volatile liabilities
  • $200,801Insider loans
  • $145,412FHLB advances
  • $200,144Loans and leases held for sale
  • $4,175Unused loan commitments
  • $4,175Tier 1 (core) risk-based capital
  • $19,591Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $32,504Restructured Loans and leases
  • $603Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,000Total interest income
  • $1,251Total interest expense
  • $7,749Net interest income
  • $515Provision for loan and lease losses
  • $1,266Total noninterest income
  • $0Fiduciary activities
  • $424Service charges on deposit accounts
  • $0Trading account gains & fees
  • $842Additional noninterest income
  • $6,234Total noninterest expense
  • $2,963Salaries and employee benefits
  • $1,130Premises and equipment expense
  • $2,141Additional noninterest expense
  • $2,266Pre-tax net operating income
  • $251Securities gains (losses)
  • $542Applicable income taxes
  • $1,975Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,975Net income attributable to bank
  • $0Net charge-offs
  • $1,975Cash dividends
  • $486Sale, conversion, retirement of capital stock, net
  • $704Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 4.21%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 9.28%Return on equity (ROE)
  • 5.97%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 105.97%Credit loss provision to net charge-offs
  • 5.72%Efficiency ratio
  • 68,264Assets per employee
  • 3.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.65%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 47.55%Noncurrent assets plus other real estate owned to assets
  • 1.88%Noncurrent loans to loans
  • 2.56%Net loans and leases to deposits
  • 90.14%Net loans and leases to core deposits
  • 101.69%Equity capital to assets
  • 10.90%Core capital (leverage) ratio
  • 9.79%Tier 1 risk-based capital ratio
  • 13.47%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $201,645Average earning assets
  • $21,290Average equity
  • $184,052Average loans

List of branches

  • 4 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04357Liberty National Bank118 South Main Street, Ada, OH 45810October 01, 1893Full Service Brick and Mortar
    14430Kenton City BranchMain And Franklin Streets, Kenton, OH 43326January 01, 1880Full Service Brick and Mortar
    3210554Bellefontaine Branch1120 North Main Street, Bellefontaine, OH 43311May 20, 1996Full Service Brick and Mortar
    6475980Marysville Office160 Coleman S Crossing Boulevard, Marysville, OH 43040January 28, 2008Full Service Brick and Mortar

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