Liberty State Bank in Liberty, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Liberty State Bank - Overview

  • General
  • FDIC Certificate #: 11881
    Status: Active
    Federal Reserve ID: 161433
    Bank Holding Company (Regulatory Top Holder): Citizens Bancorp Investment, Inc. (RSSDID: 1140239, Location: Lafayette, TN)
    Date Established: January 01, 1904
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 7589
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    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: 311 East Main Street, Liberty, TN 37095
    County: Dekalb
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $137.3 mil
    Equity capital: $14.2 mil
    Deposits held in domestic offices: $121.2 mil
    Return on assets (ROA): 0.89% ($1.2 mil)
    Quarterly return on assets: 0.66% ($0.9 mil)
    Return on Equity (ROE): 8.88% ($1.2 mil)
    Quarterly return on equity: 6.43% ($0.9 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.90% ($1,236.1 mil)
    Quarterly Pretax return on assets: -0.01% (-$13.7 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
  • 38Total employees (full-time equivalent)
  • $137,344Total assets
  • $7,641Cash and due from depository institutions
  • $3,651Interest-bearing balances
  • $37,035Securities
  • $3,700Federal funds sold & reverse repurchase agreements
  • $81,747Net loans & leases
  • $1,534Loan loss allowance
  • $0Trading account assets
  • $1,958Bank premises and fixed assets
  • $1,180Other real estate owned
  • $0Goodwill and other intangibles
  • $137,344Life insurance assets
  • $4,083All other assets
  • $123,114Total liabilities and capital
  • $121,219Total liabilities
  • $108,231Total deposits
  • $121,219Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,484Trading liabilities
  • $0Other borrowed funds
  • $411Subordinated debt
  • $14,230All other liabilities
  • $14,230Total equity capital
  • $14,230Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $1,500Surplus
  • $11,230Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,588Income earned, not collected on loans
  • $0Earning assets
  • $745Long-term assets (5+ years)
  • $126,133Average Assets, year-to-date
  • $35,942Average Assets, quarterly
  • $136,297Volatile liabilities
  • $136,715Insider loans
  • $80,513FHLB advances
  • $135,786Loans and leases held for sale
  • $1,917Unused loan commitments
  • $1,148Tier 1 (core) risk-based capital
  • $13,436Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $769Total unused commitments
  • $4,580Restructured Loans and leases
  • $553Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,512Total interest income
  • $1,859Total interest expense
  • $4,653Net interest income
  • $1,641Provision for loan and lease losses
  • $1,434Total noninterest income
  • $0Fiduciary activities
  • $598Service charges on deposit accounts
  • $0Trading account gains & fees
  • $836Additional noninterest income
  • $3,225Total noninterest expense
  • $1,658Salaries and employee benefits
  • $362Premises and equipment expense
  • $1,205Additional noninterest expense
  • $1,221Pre-tax net operating income
  • $0Securities gains (losses)
  • $10Applicable income taxes
  • $1,211Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,211Net income attributable to bank
  • $0Net charge-offs
  • $1,211Cash dividends
  • $1,657Sale, conversion, retirement of capital stock, net
  • $1,185Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.15%Yield on earning assets
  • 1.47%Cost of funding earning assets
  • 3.68%Net interest margin
  • 1.13%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 8.88%Return on equity (ROE)
  • 0.19%Retained earnings to average equity (YTD only)
  • 1.93%Net charge-offs to loans
  • 99.03%Credit loss provision to net charge-offs
  • 1.73%Efficiency ratio
  • 52,982Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 97.85%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 27.45%Noncurrent assets plus other real estate owned to assets
  • 4.93%Noncurrent loans to loans
  • 6.71%Net loans and leases to deposits
  • 67.44%Net loans and leases to core deposits
  • 70.16%Equity capital to assets
  • 10.36%Core capital (leverage) ratio
  • 9.89%Tier 1 risk-based capital ratio
  • 16.69%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $136,297Average earning assets
  • $13,639Average equity
  • $126,421Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $157Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $157Other retirement accounts
  • $157Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07589Liberty State Bank311 East Main Street, Liberty, TN 37095January 01, 1904Full Service Brick and Mortar
    1225972Alexandria BranchPublic Square And Brush Creek Road, Alexandria, TN 37012November 08, 1973Full Service Brick and Mortar
    214898Lebanon Main Branch1035 West Main Street, Lebanon, TN 37087April 22, 1974Full Service Brick and Mortar
    4225973Smithville Branch701 South Congress Boulevard, Smithville, TN 37166June 23, 1994Full Service Brick and Mortar
    5225974Downtown Branch214 North Cumberland, Lebanon, TN 37087Febuary 12, 1998Full Service Brick and Mortar

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