Liberty Savings Association in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1999

  • Liberty Savings Association in Houston, Texas (TX)
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Liberty Savings Association - Overview

  • General
  • FDIC Certificate #: 27652
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: FirstCapital Bank, ssb (#30448)
    Federal Reserve ID: 208673
    Date Established: January 01, 1926
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 54
    FDIC's unique #: 40486
    Numeric code: 35
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 18, 1937
    Last Structure Change Effective Date: January 01, 1999
    Last Structure Change Process Date: May 17, 1999
    Last Data Update: May 17, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 3501 Fannin Street, Houston, TX 77004
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • Financial Summary
  • Total assets: $99.6 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 35Total employees (full-time equivalent)
  • $99,598Total assets
  • $3,134Cash and due from depository institutions
  • $2,991Interest-bearing balances
  • $5,649Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $83,336Net loans & leases
  • $412Loan loss allowance
  • $0Trading account assets
  • $796Bank premises and fixed assets
  • $668Other real estate owned
  • $4,511Goodwill and other intangibles
  • $0Life insurance assets
  • $1,504All other assets
  • $99,598Total liabilities and capital
  • $85,102Total liabilities
  • $76,069Total deposits
  • $76,069Interest-bearing deposits
  • $76,069Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $6,964Other borrowed funds
  • $0Subordinated debt
  • $2,069All other liabilities
  • $14,496Total equity capital
  • $14,496Total bank equity capital
  • $14,496Perpetual preferred stock
  • $0Common stock
  • $345Surplus
  • $6,461Undivided profits
  • Memoranda
  • $7,690Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,943Earning assets
  • $0Long-term assets (5+ years)
  • $658Average Assets, year-to-date
  • $91,976Average Assets, quarterly
  • $0Volatile liabilities
  • $98,051Insider loans
  • $98,327FHLB advances
  • $20,244Loans and leases held for sale
  • $0Unused loan commitments
  • $6,964Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $24,400Total unused commitments
  • $0Restructured Loans and leases
  • $74,781Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $8,444Total interest income
  • $3,975Total interest expense
  • $4,469Net interest income
  • $22Provision for loan and lease losses
  • $265Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $265Additional noninterest income
  • $4,404Total noninterest expense
  • $2,458Salaries and employee benefits
  • $648Premises and equipment expense
  • $1,298Additional noninterest expense
  • $308Pre-tax net operating income
  • $980Securities gains (losses)
  • $505Applicable income taxes
  • $783Income before extraordinary items
  • $0Extraordinary gains - net
  • $783Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.34%Yield on earning assets
  • 4.40%Cost of funding earning assets
  • 4.94%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 4.87%Noninterest expense to earning assets
  • 0.16%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 5.14%Return on equity (ROE)
  • 5.14%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 2200.00%Credit loss provision to net charge-offs
  • 330.00%Efficiency ratio
  • 88,720Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.49%Loss allowance to noncurrent loans
  • 21.20%Noncurrent assets plus other real estate owned to assets
  • 2.62%Noncurrent loans to loans
  • 2.32%Net loans and leases to deposits
  • 109.55%Net loans and leases to core deposits
  • 132.72%Equity capital to assets
  • 14.55%Core capital (leverage) ratio
  • 12.46%Tier 1 risk-based capital ratio
  • 16.20%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $98,051Average earning assets
  • $15,235Average equity
  • $90,443Average loans

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