Liberty Federal Savings and Loan Association in Baltimore, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Liberty Federal Savings and Loan Association in Baltimore, Maryland (MD)
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Liberty Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29945
    Status: Active
    Federal Reserve ID: 744573
    Date Established: January 01, 1954
    WWW: http://www.libfed.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 4400
    FDIC's unique #: 42779
    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: December 31, 1937
    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: 401 N Howard St, Baltimore, MD 21201
    County: Baltimore City
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Baltimore
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Baltimore, MD (#720)
    Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
    Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
    Core Based Statistical Area (CBSA): Baltimore-Towson, MD (#12580)
    CBSA Metro Statistical Area: Baltimore-Towson, MD (#12580)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $46.3 mil
    Equity capital: $6.5 mil
    Deposits held in domestic offices: $39.8 mil
    Return on assets (ROA): 0.30% ($0.1 mil)
    Quarterly return on assets: -0.79% (-$0.4 mil)
    Return on Equity (ROE): 2.22% ($0.1 mil)
    Quarterly return on equity: -5.51% (-$0.3 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.30% ($138.9 mil)
    Quarterly Pretax return on assets: -1.57% (-$727.1 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
  • 14Total employees (full-time equivalent)
  • $46,314Total assets
  • $6,197Cash and due from depository institutions
  • $2,642Interest-bearing balances
  • $10,412Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $28,615Net loans & leases
  • $588Loan loss allowance
  • $0Trading account assets
  • $15Bank premises and fixed assets
  • $673Other real estate owned
  • $0Goodwill and other intangibles
  • $46,314Life insurance assets
  • $402All other assets
  • $39,845Total liabilities and capital
  • $39,775Total liabilities
  • $39,559Total deposits
  • $39,775Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $70Subordinated debt
  • $6,469All other liabilities
  • $6,469Total equity capital
  • $6,469Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,469Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,292Income earned, not collected on loans
  • $0Earning assets
  • $196Long-term assets (5+ years)
  • $41,669Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $46,677Volatile liabilities
  • $45,624Insider loans
  • $21,627FHLB advances
  • $45,780Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,935Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,048Restructured Loans and leases
  • $145Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,217Total interest income
  • $643Total interest expense
  • $1,574Net interest income
  • $265Provision for loan and lease losses
  • $518Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $518Additional noninterest income
  • $1,689Total noninterest expense
  • $763Salaries and employee benefits
  • $447Premises and equipment expense
  • $479Additional noninterest expense
  • $138Pre-tax net operating income
  • $0Securities gains (losses)
  • -$1Applicable income taxes
  • $139Income before extraordinary items
  • $0Extraordinary gains - net
  • $139Net income attributable to bank
  • $0Net charge-offs
  • $139Cash dividends
  • $262Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 1.44%Cost of funding earning assets
  • 3.52%Net interest margin
  • 1.16%Noninterest income to earning assets
  • 3.78%Noninterest expense to earning assets
  • 0.30%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.30%Pretax return on assets
  • 2.22%Return on equity (ROE)
  • 2.22%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 101.15%Credit loss provision to net charge-offs
  • 1.54%Efficiency ratio
  • 80,736Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 45.51%Noncurrent assets plus other real estate owned to assets
  • 4.24%Noncurrent loans to loans
  • 4.42%Net loans and leases to deposits
  • 71.94%Net loans and leases to core deposits
  • 72.85%Equity capital to assets
  • 13.97%Core capital (leverage) ratio
  • 12.96%Tier 1 risk-based capital ratio
  • 27.44%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $46,677Average earning assets
  • $6,256Average equity
  • $44,695Average loans

List of branches

  • 3 Maryland Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042779Liberty Federal Savings And Loan Ass401 N Howard St, Baltimore, MD 21201January 01, 1954Full Service Brick and Mortar
    12778165612the Alameda Branch5612 The Alameda, Baltimore, MD 21239January 01, 1885Full Service Brick and Mortar
    3277818624belair Road Branch624 Bel Air Road, Bel Air, MD 21014January 01, 1885Full Service Brick and Mortar

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