LIBERTY BANK & TRUST in Tucson, Arizona (AZ)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 13, 1998

LIBERTY BANK & TRUST in Tucson, Arizona (AZ)
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LIBERTY BANK & TRUST - Overview

General
FDIC Certificate #: 33372
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Commercial Federal Bank, a Federal Savings Bank (#30341)
Federal Reserve ID: 1859513
Date Established: April 12, 1991
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Interstate: No)
OTS Docket #: 13647
FDIC's unique #: 46952
Numeric code: 21
Regulator: FDIC
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: April 12, 1991
Last Structure Change Effective Date: Febuary 13, 1998
Last Structure Change Process Date: April 13, 1998
Last Data Update: April 13, 1998
Data Source Date: April 05, 2012
Location
Address: 7225 North Oracle Road, Tucson, AZ 85701
County: Pima
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: Kansas City
FDIC Field Office: Phoenix
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Tucson, AZ (#8520)
Core Based Statistical Area (CBSA): Tucson, AZ (#46060)
CBSA Metro Statistical Area: Tucson, AZ (#46060)
Financial Summary
Total assets: $153.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

Dollar figures in thousands
49Total employees (full-time equivalent)
$153,337Total assets
$7,455Cash and due from depository institutions
$0Interest-bearing balances
$14,877Securities
$4,900Federal funds sold & reverse repurchase agreements
$123,505Net loans & leases
$1,206Loan loss allowance
$0Trading account assets
$629Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,971All other assets
$153,337Total liabilities and capital
$142,433Total liabilities
$140,552Total deposits
$115,764Interest-bearing deposits
$140,552Deposits held in domestic offices
0.00%% insured (estimated)
$768Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,113All other liabilities
$10,904Total equity capital
$10,904Total bank equity capital
$10,904Perpetual preferred stock
$0Common stock
$1,000Surplus
$2,870Undivided profits
Memoranda
$7,034Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$221Earning assets
$0Long-term assets (5+ years)
$706Average Assets, year-to-date
$143,282Average Assets, quarterly
$16,889Volatile liabilities
$135,323Insider loans
$148,011FHLB advances
$18,944Loans and leases held for sale
$1,554Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$35,222Total unused commitments
$0Restructured Loans and leases
$125,579Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$12,821Total interest income
$4,997Total interest expense
$7,824Net interest income
$612Provision for loan and lease losses
$389Total noninterest income
$0Fiduciary activities
$203Service charges on deposit accounts
$0Trading account gains & fees
$186Additional noninterest income
$4,230Total noninterest expense
$1,891Salaries and employee benefits
$571Premises and equipment expense
$1,768Additional noninterest expense
$3,371Pre-tax net operating income
$22Securities gains (losses)
$1,295Applicable income taxes
$2,098Income before extraordinary items
$0Extraordinary gains - net
$2,098Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$203Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
10.16%Yield on earning assets
3.96%Cost of funding earning assets
6.20%Net interest margin
0.31%Noninterest income to earning assets
3.35%Noninterest expense to earning assets
1.54%Net operating income to assets
1.55%Return on assets (ROA)
2.51%Pretax return on assets
22.54%Return on equity (ROE)
22.54%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
301.48%Credit loss provision to net charge-offs
19.62%Efficiency ratio
51,504Assets per employee
3.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.97%Loss allowance to noncurrent loans
545.70%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.18%Net loans and leases to deposits
87.87%Net loans and leases to core deposits
100.92%Equity capital to assets
7.11%Core capital (leverage) ratio
7.54%Tier 1 risk-based capital ratio
8.65%Total risk-based capital ratio
Memoranda
$10Average assets
$135,323Average earning assets
$9,309Average equity
$126,157Average loans

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