Liberty Bank and Trust, National Association in Dickinson, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 08, 1995

Liberty Bank and Trust, National Association in Dickinson, North Dakota (ND)
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Liberty Bank and Trust, National Association - Overview

General
FDIC Certificate #: 3916
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Wells Fargo Bank North Dakota, National Association (#3922)
Federal Reserve ID: 835556
Date Established: April 06, 1916
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Interstate: No)
OTS Docket #: 10635
FDIC's unique #: 2553
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: September 08, 1995
Last Structure Change Process Date: September 27, 1995
Last Data Update: September 27, 1995
Data Source Date: April 05, 2012
Location
Address: 115 First Avenue West, Dickinson, ND 58601
County: Stark
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Fargo
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Dickinson, ND (#19860)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $123.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$39Total assets
$79,410Cash and due from depository institutions
$3,996Interest-bearing balances
$0Securities
$38,451Federal funds sold & reverse repurchase agreements
$1,000Net loans & leases
$32,552Loan loss allowance
$1,129Trading account assets
$0Bank premises and fixed assets
$1,197Other real estate owned
$0Goodwill and other intangibles
$2,214Life insurance assets
$0All other assets
$0Total liabilities and capital
$79,410Total liabilities
$71,387Total deposits
$67,696Interest-bearing deposits
$57,647Deposits held in domestic offices
67696.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$2,249Trading liabilities
$0Other borrowed funds
$170Subordinated debt
$0All other liabilities
$1,272Total equity capital
$1,272Total bank equity capital
$8,023Perpetual preferred stock
$0Common stock
$400Surplus
$600Undivided profits
Memoranda
$7,023Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$81Income earned, not collected on loans
$557Earning assets
$72,003Long-term assets (5+ years)
$12,410Average Assets, year-to-date
$76,944Average Assets, quarterly
$76,954Volatile liabilities
$6,260Insider loans
$48FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$11,857Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$8,399Total risk weighted assets
$43,604Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$5,345Total interest expense
$1,735Net interest income
$3,610Provision for loan and lease losses
$0Total noninterest income
$933Fiduciary activities
$0Service charges on deposit accounts
$256Trading account gains & fees
$0Additional noninterest income
$677Total noninterest expense
$2,645Salaries and employee benefits
$1,350Premises and equipment expense
$434Additional noninterest expense
$861Pre-tax net operating income
$1,898Securities gains (losses)
-$69Applicable income taxes
$634Income before extraordinary items
$1,195Extraordinary gains - net
$0Net income attributable to bank
$1,195Net charge-offs
-$62Cash dividends
$4,200Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.60%Cost of funding earning assets
2.47%Net interest margin
5.13%Noninterest income to earning assets
1.33%Noninterest expense to earning assets
3.76%Net operating income to assets
1.61%Return on assets (ROA)
1.55%Pretax return on assets
2.38%Return on equity (ROE)
13.61%Retained earnings to average equity (YTD only)
-34.23%Net charge-offs to loans
-0.20%Credit loss provision to net charge-offs
0.00%Efficiency ratio
58,221Assets per employee
2.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
351.46%Loss allowance to loans
3.35%Loss allowance to noncurrent loans
1393.83%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.24%Net loans and leases to deposits
48.09%Net loans and leases to core deposits
51.11%Equity capital to assets
10.10%Core capital (leverage) ratio
11.14%Tier 1 risk-based capital ratio
19.26%Total risk-based capital ratio
Memoranda
$21Average assets
$76,944Average earning assets
$8,779Average equity
$70,360Average loans

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