Liberty Savings Bank, F.S.B. in Pottsville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Liberty Savings Bank, F.S.B. in Pottsville, Pennsylvania (PA)
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Liberty Savings Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 29247
    Status: Active
    Federal Reserve ID: 915177
    Date Established: January 01, 1914
    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 #: 3168
    FDIC's unique #: 42081
    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: December 01, 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: 21 South Centre Street, Pottsville, PA 17901
    County: Schuylkill
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Core Based Statistical Area (CBSA): Pottsville, PA (#39060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $29.5 mil
    Equity capital: $3.4 mil
    Deposits held in domestic offices: $24.5 mil
    Return on assets (ROA): -1.93% (-$0.6 mil)
    Quarterly return on assets: -1.83% (-$0.5 mil)
    Return on Equity (ROE): -18.87% (-$0.6 mil)
    Quarterly return on equity: -16.77% (-$0.5 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -2.28% (-$672.8 mil)
    Quarterly Pretax return on assets: -2.49% (-$734.8 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
  • 17Total employees (full-time equivalent)
  • $29,509Total assets
  • $3,224Cash and due from depository institutions
  • $2,582Interest-bearing balances
  • $844Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $23,945Net loans & leases
  • $307Loan loss allowance
  • $0Trading account assets
  • $587Bank premises and fixed assets
  • $14Other real estate owned
  • $0Goodwill and other intangibles
  • $29,509Life insurance assets
  • $895All other assets
  • $26,089Total liabilities and capital
  • $24,519Total liabilities
  • $21,954Total deposits
  • $24,519Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $70Subordinated debt
  • $3,420All other liabilities
  • $3,420Total equity capital
  • $3,420Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $2,903Surplus
  • $367Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $466Income earned, not collected on loans
  • $0Earning assets
  • $99Long-term assets (5+ years)
  • $27,371Average Assets, year-to-date
  • $19,740Average Assets, quarterly
  • $32,170Volatile liabilities
  • $30,959Insider loans
  • $20,146FHLB advances
  • $30,264Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,161Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,480Restructured Loans and leases
  • $147Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,464Total interest income
  • $257Total interest expense
  • $1,207Net interest income
  • $60Provision for loan and lease losses
  • $21Total noninterest income
  • $0Fiduciary activities
  • $16Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5Additional noninterest income
  • $1,902Total noninterest expense
  • $796Salaries and employee benefits
  • $237Premises and equipment expense
  • $869Additional noninterest expense
  • -$734Pre-tax net operating income
  • $0Securities gains (losses)
  • -$114Applicable income taxes
  • -$620Income before extraordinary items
  • $0Extraordinary gains - net
  • -$620Net income attributable to bank
  • $0Net charge-offs
  • -$620Cash dividends
  • -$4Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 6.48%Noninterest expense to earning assets
  • -1.93%Net operating income to assets
  • -1.93%Return on assets (ROA)
  • -2.28%Pretax return on assets
  • -18.87%Return on equity (ROE)
  • -18.87%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -1500.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 154,886Assets per employee
  • 1.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 65.88%Noncurrent assets plus other real estate owned to assets
  • 1.63%Noncurrent loans to loans
  • 1.92%Net loans and leases to deposits
  • 97.66%Net loans and leases to core deposits
  • 99.74%Equity capital to assets
  • 11.59%Core capital (leverage) ratio
  • 10.44%Tier 1 risk-based capital ratio
  • 15.69%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $32,170Average earning assets
  • $3,286Average equity
  • $29,372Average loans

List of branches

  • 2 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042081Liberty Savings Bank, F.S.b.21 South Centre Street, Pottsville, PA 17901January 01, 1914Full Service Brick and Mortar
    1495192West Market Street Branch2221 West Market Street, Pottsville, PA 17901April 09, 2007Full Service Brick and Mortar

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