Liberty State Bank in St. Paul, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 10, 2003

  • Liberty State Bank in St. Paul, Minnesota (MN)
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Liberty State Bank - Overview

  • General
  • FDIC Certificate #: 8832
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Federal Capital Bank (#28981)
    Federal Reserve ID: 767059
    Date Established: September 01, 1917
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    OTS Docket #: 15802
    FDIC's unique #: 5627
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 10, 2003
    Last Structure Change Process Date: January 14, 2004
    Last Data Update: January 14, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 176 Snelling Avenue North, St. Paul, MN 55164
    County: Ramsey
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Minneapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Minneapolis-St. Paul, MN-WI (#5120)
    Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
    Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
    CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
  • Financial Summary
  • Total assets: $417.2 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, 2002)

  • Dollar figures in thousands
  • 87Total employees (full-time equivalent)
  • $395,405Total assets
  • $14,301Cash and due from depository institutions
  • $76Interest-bearing balances
  • $85,395Securities
  • $20,675Federal funds sold & reverse repurchase agreements
  • $254,631Net loans & leases
  • $2,624Loan loss allowance
  • $0Trading account assets
  • $6,646Bank premises and fixed assets
  • $405Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $13,352All other assets
  • $395,405Total liabilities and capital
  • $359,629Total liabilities
  • $357,117Total deposits
  • $300,956Interest-bearing deposits
  • $357,117Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $2,512All other liabilities
  • $35,776Total equity capital
  • $35,776Total bank equity capital
  • $35,776Perpetual preferred stock
  • $0Common stock
  • $1,440Surplus
  • $26,060Undivided profits
  • Memoranda
  • $8,276Noncurrent loans and leases
  • $42,980Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $563Earning assets
  • $58Long-term assets (5+ years)
  • $2,048Average Assets, year-to-date
  • $360,777Average Assets, quarterly
  • $113,903Volatile liabilities
  • $376,885Insider loans
  • $390,193FHLB advances
  • $47,475Loans and leases held for sale
  • $3,957Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $42,980Total unused commitments
  • $393Restructured Loans and leases
  • $2,624Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $23,353Total interest income
  • $8,498Total interest expense
  • $14,855Net interest income
  • $400Provision for loan and lease losses
  • $1,962Total noninterest income
  • $0Fiduciary activities
  • $1,218Service charges on deposit accounts
  • $0Trading account gains & fees
  • $744Additional noninterest income
  • $8,916Total noninterest expense
  • $4,972Salaries and employee benefits
  • $911Premises and equipment expense
  • $3,033Additional noninterest expense
  • $7,501Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,420Applicable income taxes
  • $5,081Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,081Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $135Sale, conversion, retirement of capital stock, net
  • $1,600Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.79%Yield on earning assets
  • 2.47%Cost of funding earning assets
  • 4.32%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 1.99%Pretax return on assets
  • 15.18%Return on equity (ROE)
  • 10.40%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 296.30%Credit loss provision to net charge-offs
  • 58.53%Efficiency ratio
  • 53,018Assets per employee
  • 4.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.49%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 466.07%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 71.30%Net loans and leases to core deposits
  • 82.23%Equity capital to assets
  • 9.05%Core capital (leverage) ratio
  • 8.92%Tier 1 risk-based capital ratio
  • 12.83%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $376,885Average earning assets
  • $33,475Average equity
  • $343,767Average loans

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