The Liberty Savings Association, FSA in Fort Scott, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Liberty Savings Association, FSA in Fort Scott, Kansas (KS)
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The Liberty Savings Association, FSA - Overview

  • General
  • FDIC Certificate #: 29857
    Status: Active
    Federal Reserve ID: 987576
    Date Established: January 01, 1919
    WWW: http://www.libertysavingsfsa.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 4214
    FDIC's unique #: 42691
    Numeric code: 38
    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: June 04, 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: 24 S Judson, Fort Scott, KS 66701
    County: Bourbon
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $38.3 mil
    Equity capital: $6.3 mil
    Deposits held in domestic offices: $32.0 mil
    Return on assets (ROA): 0.28% ($0.1 mil)
    Quarterly return on assets: 0.26% ($0.1 mil)
    Return on Equity (ROE): 1.74% ($0.1 mil)
    Quarterly return on equity: 1.60% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.23% ($88.1 mil)
    Quarterly Pretax return on assets: -0.36% (-$137.9 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
  • 7Total employees (full-time equivalent)
  • $38,307Total assets
  • $3,434Cash and due from depository institutions
  • $3,341Interest-bearing balances
  • $21,630Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $12,671Net loans & leases
  • $244Loan loss allowance
  • $0Trading account assets
  • $88Bank premises and fixed assets
  • $93Other real estate owned
  • $0Goodwill and other intangibles
  • $38,307Life insurance assets
  • $391All other assets
  • $32,042Total liabilities and capital
  • $31,974Total liabilities
  • $31,931Total deposits
  • $31,974Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $68Subordinated debt
  • $6,265All other liabilities
  • $6,265Total equity capital
  • $6,265Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,265Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $98Long-term assets (5+ years)
  • $37,642Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $38,376Volatile liabilities
  • $38,476Insider loans
  • $10,318FHLB advances
  • $38,307Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,265Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $145Restructured Loans and leases
  • $98Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,324Total interest income
  • $370Total interest expense
  • $954Net interest income
  • -$30Provision for loan and lease losses
  • $18Total noninterest income
  • $0Fiduciary activities
  • $8Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10Additional noninterest income
  • $915Total noninterest expense
  • $541Salaries and employee benefits
  • $234Premises and equipment expense
  • $140Additional noninterest expense
  • $87Pre-tax net operating income
  • $0Securities gains (losses)
  • -$21Applicable income taxes
  • $108Income before extraordinary items
  • $0Extraordinary gains - net
  • $108Net income attributable to bank
  • $0Net charge-offs
  • $108Cash dividends
  • -$110Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.52%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 2.54%Net interest margin
  • 0.05%Noninterest income to earning assets
  • 2.43%Noninterest expense to earning assets
  • 0.28%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.23%Pretax return on assets
  • 1.74%Return on equity (ROE)
  • 1.74%Retained earnings to average equity (YTD only)
  • -0.81%Net charge-offs to loans
  • 27.27%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 94,136Assets per employee
  • 5.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 39.63%Net loans and leases to core deposits
  • 41.64%Equity capital to assets
  • 16.35%Core capital (leverage) ratio
  • 16.35%Tier 1 risk-based capital ratio
  • 60.72%Total risk-based capital ratio
  • Memoranda
  • $62Average assets
  • $38,376Average earning assets
  • $6,215Average equity
  • $37,590Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042691The Liberty Savings Association, Fsa24 S Judson, Fort Scott, KS 66701January 01, 1919Full Service Brick and Mortar

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