Liberty Bank of Arkansas in Siloam Springs, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 09, 2005

  • Liberty Bank of Arkansas in Siloam Springs, Arkansas (AR)
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Liberty Bank of Arkansas - Overview

  • General
  • FDIC Certificate #: 18277
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Liberty Bank of Arkansas (#3878)
    Federal Reserve ID: 675547
    Date Established: June 13, 1960
    WWW: http://www.mylibertybank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Interstate: No)
    OTS Docket #: 16079
    FDIC's unique #: 12193
    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: June 13, 1960
    Last Structure Change Effective Date: September 09, 2005
    Last Structure Change Process Date: September 14, 2005
    Last Data Update: September 14, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 318-322 East Main Street, Siloam Springs, AR 72761
    County: Benton
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Fayetteville-Springdale-Rogers, AR (#2580)
    Core Based Statistical Area (CBSA): Fayetteville-Springdale-Rogers, AR-MO (#22220)
    CBSA Metro Statistical Area: Fayetteville-Springdale-Rogers, AR-MO (#22220)
  • Financial Summary
  • Total assets: $247.5 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, 2004)

  • Dollar figures in thousands
  • 65Total employees (full-time equivalent)
  • $185,707Total assets
  • $4,049Cash and due from depository institutions
  • $41Interest-bearing balances
  • $36,659Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $117,206Net loans & leases
  • $6,011Loan loss allowance
  • $0Trading account assets
  • $9,071Bank premises and fixed assets
  • $396Other real estate owned
  • $15,113Goodwill and other intangibles
  • $0Life insurance assets
  • $2,713All other assets
  • $185,707Total liabilities and capital
  • $154,971Total liabilities
  • $151,333Total deposits
  • $136,136Interest-bearing deposits
  • $151,333Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,200Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $438All other liabilities
  • $30,736Total equity capital
  • $30,736Total bank equity capital
  • $30,736Perpetual preferred stock
  • $0Common stock
  • $7Surplus
  • $31,270Undivided profits
  • Memoranda
  • $-541Noncurrent loans and leases
  • $26,617Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $5,083Earning assets
  • $3,546Long-term assets (5+ years)
  • $1,081Average Assets, year-to-date
  • $154,406Average Assets, quarterly
  • $36,626Volatile liabilities
  • $172,033Insider loans
  • $179,946FHLB advances
  • $37,883Loans and leases held for sale
  • $123Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $26,617Total unused commitments
  • $0Restructured Loans and leases
  • $1,688Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $2,165Total interest income
  • $859Total interest expense
  • $1,306Net interest income
  • $825Provision for loan and lease losses
  • $378Total noninterest income
  • $10Fiduciary activities
  • $165Service charges on deposit accounts
  • $0Trading account gains & fees
  • $203Additional noninterest income
  • $1,672Total noninterest expense
  • $922Salaries and employee benefits
  • $252Premises and equipment expense
  • $498Additional noninterest expense
  • -$813Pre-tax net operating income
  • $5Securities gains (losses)
  • -$339Applicable income taxes
  • -$469Income before extraordinary items
  • $0Extraordinary gains - net
  • -$469Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $391Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 1.40%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 0.84%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 1.08%Noninterest expense to earning assets
  • -0.27%Net operating income to assets
  • -0.27%Return on assets (ROA)
  • -0.47%Pretax return on assets
  • -1.76%Return on equity (ROE)
  • -1.76%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 211.00%Credit loss provision to net charge-offs
  • 0.03%Efficiency ratio
  • 97,150Assets per employee
  • 2.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.88%Loss allowance to noncurrent loans
  • 118.26%Noncurrent assets plus other real estate owned to assets
  • 2.95%Noncurrent loans to loans
  • 4.13%Net loans and leases to deposits
  • 77.45%Net loans and leases to core deposits
  • 100.48%Equity capital to assets
  • 16.55%Core capital (leverage) ratio
  • 9.80%Tier 1 risk-based capital ratio
  • 11.97%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $172,033Average earning assets
  • $26,693Average equity
  • $154,724Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $6,416Managed Assets
  • 1Number of Accounts
  • $5,749Personal trust and agency accounts
  • $5,246Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $503Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 31Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $667Other retirement accounts
  • $658Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $9Fiduciary accounts held in foreign offices

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