Liberty Savings Bank, F.S.B. in Wilmington, Ohio (OH), FL, CO, SC



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Liberty Savings Bank, F.S.B.
GeneralFDIC Certificate #: 32242
Status: Active
Federal Reserve ID: 839572
Date Established: September 14, 1984
WWW: http://www.libertysavingsbank.com
Trust Powers Granted: Yes
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 33 (Domestic: 33, Interstate: Yes)
OTS Docket #: 8039
FDIC's unique #: 45076
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: Yes
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: September 14, 1984
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
LocationAddress: 647 Fife Avenue, Wilmington, OH 45177
County: Clinton
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
Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
Core Based Statistical Area (CBSA): Wilmington, OH (#48940)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Primary Regulatory Agency
Financial SummaryTotal assets: $683.0 mil
Equity capital: $83.6 mil
Deposits held in domestic offices: $553.2 mil
Return on assets (ROA): 1.00% ($6.8 mil)
Quarterly return on assets: -3.31% (-$22.6 mil)
Return on Equity (ROE): 11.55% ($9.7 mil)
Quarterly return on equity: -26.83% (-$22.5 mil)
Net income: $8.6 mil
Quarterly Net income: -$5.8 mil
Pretax return on assets: 1.00% ($6,830.4 mil)
Quarterly Pretax return on assets: -3.31% (-$22,608.8 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)
Total employees (full-time equivalent)261
Total assets$683,045
Cash and due from depository institutions$75,739
Interest-bearing balances$66,617
Securities$142,264
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$374,102
Loan loss allowance $11,202
Trading account assets$0
Bank premises and fixed assets$14,090
Other real estate owned$24,803
Goodwill and other intangibles$12,124
All other assets$39,923
Life insurance assets$683,045
Total liabilities and capital$599,397
Total liabilities$553,188
Total deposits$516,487
Interest-bearing deposits$553,188
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$41,440
Other borrowed funds $0
Subordinated debt $4,769
All other liabilities $83,648
Total equity capital$83,648
Total bank equity capital$83,648
Perpetual preferred stock$0
Common stock$7,625
Surplus$26,205
Undivided profits $49,818
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $29,513
Earning assets $0
Long-term assets (5+ years) $1,833
Average Assets, year-to-date $582,983
Average Assets, quarterly $0
Volatile liabilities $865,200
Insider loans $699,158
FHLB advances $385,450
Loans and leases held for sale $678,509
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $79,112
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $84,977
Derivatives$905
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $33,149
Total interest expense $9,299
Net interest income $23,850
Provision for loan and lease losses $10,708
Total noninterest income $35,906
Fiduciary activities $0
Service charges on deposit accounts $1,238
Trading account gains & fees -$112
Additional noninterest income $34,780
Total noninterest expense $41,567
Salaries and employee benefits $18,870
Premises and equipment expense $9,491
Additional noninterest expense $13,206
Pre-tax net operating income $7,481
Securities gains (losses) $1,162
Applicable income taxes $0
Income before extraordinary items $8,643
Extraordinary gains - net $0
Net income attributable to bank $8,643
Net charge-offs $0
Cash dividends $8,643
Sale, conversion, retirement of capital stock, net $17,930
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.39%
Cost of funding earning assets 1.23%
Net interest margin 3.16%
Noninterest income to earning assets 4.76%
Noninterest expense to earning assets 5.51%
Net operating income to assets 0.86%
Return on assets (ROA) 1.00%
Pretax return on assets 1.00%
Return on equity (ROE) 11.55%
Retained earnings to average equity (YTD only) 11.55%
Net charge-offs to loans 3.50%
Credit loss provision to net charge-offs 59.72%
Efficiency ratio1.01%
Assets per employee$69,561
Cash dividends to net income (YTD only)2.62%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.91%
Noncurrent assets plus other real estate owned to assets 37.96%
Noncurrent loans to loans 7.95%
Net loans and leases to deposits7.66%
Net loans and leases to core deposits 67.63%
Equity capital to assets 68.00%
Core capital (leverage) ratio 12.25%
Tier 1 risk-based capital ratio 11.66%
Total risk-based capital ratio 20.52%
Memoranda
Average assets$22
Average earning assets$865,200
Average equity $74,800
Average loans $754,748
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5 Colorado Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
118289249E Yale Ave Branch6460 E. Yale Avenue, Denver, CO 80222Febuary 14, 1994Full Service Brick and Mortar
119289250Granby Branch91 E. Agate, Granby, CO 80446March 01, 1990Full Service Brick and Mortar
126287290Denver Branch9672 East Alameda Avenue, Denver, CO 80231July 31, 1997Full Service Brick and Mortar
146359925Villa Italia Branch7111 West Alameda Avenue, Unit E, Lakewood, CO 80226Febuary 09, 1999Full Service Brick and Mortar
148495954E Coalton Rd Branch1697 E Coalton Rd, Superior, CO 80027April 09, 2001Full Service Brick and Mortar
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7 Florida Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
112287285Washington Boulevard Branch1950 S Tamiami Tr, Sarasota, FL 34239March 27, 1995Full Service Brick and Mortar
113287286Tamiami Trail Branch8383 South Tamiami Trail, Sarasota, FL 34236July 26, 1994Full Service Brick and Mortar
125287289Sarasota Branch3577 Clark Road, Sarasota, FL 34231Febuary 28, 1997Full Service Brick and Mortar
1272872911679 South Tamiami Trail Branch1679 South Tamiami Trail, Venice, FL 34293December 08, 1997Full Service Brick and Mortar
1282872924103 South Tamiami Trail Branch4103 South Tamiami Trail, Venice, FL 34293Febuary 12, 1998Full Service Brick and Mortar
130287294Bradenton Branch3901 Cortez Road West, Bradenton, FL 34210May 01, 1998Full Service Brick and Mortar
15249596460th Avenue Branch1411 60th Ave, Bradenton, FL 34207January 02, 1999Full Service Brick and Mortar
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16 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
045076Liberty Savings Bank, F.S.b.647 Fife Avenue, Wilmington, OH 45177September 14, 1984Full Service Brick and Mortar
100278454310 North High Street Branch310 North High Street, Hillsboro, OH 45133January 01, 1889Full Service Brick and Mortar
104287277New Main Street Branch111 South Main Street, Lynchburg, OH 45142October 01, 1991Full Service Brick and Mortar
105287278Centerville Branch215 North Main Street, Centerville, OH 45459October 01, 1991Full Service Brick and Mortar
106287279Englewood Branch330 West National Road, Englewood, OH 45322October 01, 1991Full Service Brick and Mortar
107287280Kettering Branch550 E. Stroop Road, Kettering, OH 45429September 03, 1992Full Service Brick and Mortar
108287281Huber Heights Branch6325 Brandt Pike, Huber Heights, OH 45424May 24, 1993Full Service Brick and Mortar
111287284Dayton Office2518 Far Hills Avenue, Dayton, OH 45419April 29, 1994Full Service Brick and Mortar
114287287Seajay Drive Branch3210 Seajay Drive, Beaver Creek, OH 45430July 26, 1994Full Service Brick and Mortar
129287293Centerville Branch1015 South Main Street, Centerville, OH 45458March 13, 1998Full Service Brick and Mortar
132357648W. Alex Bell Road Branch2891 W. Alex Bell Road, Dayton, OH 45459May 25, 1999Full Service Brick and Mortar
133357649W. Second Street Branch120 W. Second Street, Dayton, OH 45402September 30, 1998Full Service Brick and Mortar
134357650Bigger Road Branch5808 Wilmington Pike, Centerville, OH 45458December 07, 1998Full Service Brick and Mortar
135359182Dayton Branch4801 North Main Street, Dayton, OH 45405September 13, 1999Full Service Brick and Mortar
136359183Highlands Ranch Branch1187 E. Dayton Yellow Springs Road, Fairborn, OH 45324April 17, 2000Full Service Brick and Mortar
150495956West Central Ave Branch260 W Central Ave, Springboro, OH 45066March 19, 2007Full Service Brick and Mortar
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5 South Carolina Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
109287282Southwood Branch4 Southwood Park Drive, Hilton Head Island, SC 29926July 01, 1993Full Service Brick and Mortar
1102872838 Pope Avenue Branch8 Pope Avenue, Hilton Head Island, SC 29928July 01, 1993Full Service Brick and Mortar
131356505Sea Pines Branch79 Lighthouse Road, Hilton Head Island, SC 29928December 10, 1998Full Service Brick and Mortar
142359921Bluffton Branch9 Oak Forest Rd, Bluffton, SC 29910August 07, 2000Full Service Brick and Mortar
143359922Sun City Branch32 William Pope Drive, Okatie, SC 29909November 29, 1999Full Service Brick and Mortar
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