FDIC Certificate #: 58082 Status: Active Federal Reserve ID: 3347911 Date Established: January 09, 2006 WWW:http://www.libertadbank.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 439321 Numeric code: 41 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 09, 2006 Last Structure Change Effective Date: September 01, 2009 Last Structure Change Process Date: April 01, 2010 Last Data Update: April 01, 2010 Data Source Date: April 05, 2012
Location
Address: 512 E Riverside Dr, Austin, TX 78704 County: Travis Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640) Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126) Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420) CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
Financial Summary
Total assets: $36.1 mil Equity capital: $6.1 mil Deposits held in domestic offices: $27.6 mil Return on assets (ROA): -2.77% (-$1.0 mil) Quarterly return on assets: -8.22% (-$3.0 mil) Return on Equity (ROE): -16.05% (-$1.0 mil) Quarterly return on equity: -47.81% (-$2.9 mil) Net income: -$1.1 mil Quarterly Net income: -$0.8 mil Pretax return on assets: -2.74% (-$987.9 mil) Quarterly Pretax return on assets: -8.20% (-$2,956.3 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$36,053Total assets
$6,936Cash and due from depository institutions
$6,550Interest-bearing balances
$1,230Securities
$0Federal funds sold & reverse repurchase agreements
$26,045Net loans & leases
$562Loan loss allowance
$0Trading account assets
$55Bank premises and fixed assets
$1,023Other real estate owned
$0Goodwill and other intangibles
$36,053Life insurance assets
$764All other assets
$29,997Total liabilities and capital
$27,570Total liabilities
$26,113Total deposits
$27,570Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,178Trading liabilities
$0Other borrowed funds
$249Subordinated debt
$6,056All other liabilities
$6,056Total equity capital
$6,056Total bank equity capital
$0Perpetual preferred stock
$1,661Common stock
$10,810Surplus
$-6,415Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$175Income earned, not collected on loans
$0Earning assets
$101Long-term assets (5+ years)
$33,825Average Assets, year-to-date
$7,723Average Assets, quarterly
$38,666Volatile liabilities
$37,376Insider loans
$24,118FHLB advances
$37,685Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,030Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$175Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,065Total interest income
$390Total interest expense
$1,675Net interest income
$0Provision for loan and lease losses
$329Total noninterest income
$0Fiduciary activities
$17Service charges on deposit accounts
$0Trading account gains & fees
$312Additional noninterest income
$3,135Total noninterest expense
$1,024Salaries and employee benefits
$189Premises and equipment expense
$1,922Additional noninterest expense
-$1,131Pre-tax net operating income
$70Securities gains (losses)
$11Applicable income taxes
-$1,072Income before extraordinary items
$0Extraordinary gains - net
-$1,072Net income attributable to bank
$0Net charge-offs
-$1,072Cash dividends
-$97Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.68%Yield on earning assets
1.07%Cost of funding earning assets
4.61%Net interest margin
0.90%Noninterest income to earning assets
8.62%Noninterest expense to earning assets
-2.95%Net operating income to assets
-2.77%Return on assets (ROA)
-2.74%Pretax return on assets
-16.05%Return on equity (ROE)
-16.05%Retained earnings to average equity (YTD only)
-0.36%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
156,437Assets per employee
3.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.11%Loss allowance to noncurrent loans
321.14%Noncurrent assets plus other real estate owned to assets
3.32%Noncurrent loans to loans
0.66%Net loans and leases to deposits
94.47%Net loans and leases to core deposits
94.47%Equity capital to assets
16.80%Core capital (leverage) ratio
16.00%Tier 1 risk-based capital ratio
25.00%Total risk-based capital ratio
Memoranda
$26Average assets
$38,666Average earning assets
$6,681Average equity
$36,371Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
439321
Libertad Bank Ssb
512 E Riverside Dr, Austin, TX 78704
January 09, 2006
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Libertad Bank SSB.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: