Liberty Savings Bank, F.S.B. in Wilmington, Ohio (OH), FL, CO, SC
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Liberty Savings Bank, F.S.B. in Wilmington, Ohio (OH), FL, CO, SC
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Liberty Savings Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 32242
    Status: Active
    Federal Reserve ID: 839572
    Date Established: September 14, 1984
    WWW: http://www.libertysavingsbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 33 (Domestic: 33, Interstate: Yes)
    OTS Docket #: 8039
    FDIC's unique #: 45076
    Numeric code: 33
    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: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: September 14, 1984
    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: 647 Fife Avenue, Wilmington, OH 45177
    County: Clinton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Wilmington, OH (#48940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $683.0 mil
    Equity capital: $83.6 mil
    Deposits held in domestic offices: $553.2 mil
    Return on assets (ROA): 1.00% ($6.8 mil)
    Quarterly return on assets: -3.31% (-$22.6 mil)
    Return on Equity (ROE): 11.55% ($9.7 mil)
    Quarterly return on equity: -26.83% (-$22.5 mil)
    Net income: $8.6 mil
    Quarterly Net income: -$5.8 mil
    Pretax return on assets: 1.00% ($6,830.4 mil)
    Quarterly Pretax return on assets: -3.31% (-$22,608.8 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
  • 261Total employees (full-time equivalent)
  • $683,045Total assets
  • $75,739Cash and due from depository institutions
  • $66,617Interest-bearing balances
  • $142,264Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $374,102Net loans & leases
  • $11,202Loan loss allowance
  • $0Trading account assets
  • $14,090Bank premises and fixed assets
  • $24,803Other real estate owned
  • $12,124Goodwill and other intangibles
  • $683,045Life insurance assets
  • $39,923All other assets
  • $599,397Total liabilities and capital
  • $553,188Total liabilities
  • $516,487Total deposits
  • $553,188Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $41,440Trading liabilities
  • $0Other borrowed funds
  • $4,769Subordinated debt
  • $83,648All other liabilities
  • $83,648Total equity capital
  • $83,648Total bank equity capital
  • $0Perpetual preferred stock
  • $7,625Common stock
  • $26,205Surplus
  • $49,818Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $29,513Income earned, not collected on loans
  • $0Earning assets
  • $1,833Long-term assets (5+ years)
  • $582,983Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $865,200Volatile liabilities
  • $699,158Insider loans
  • $385,450FHLB advances
  • $678,509Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $79,112Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $84,977Restructured Loans and leases
  • $905Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $33,149Total interest income
  • $9,299Total interest expense
  • $23,850Net interest income
  • $10,708Provision for loan and lease losses
  • $35,906Total noninterest income
  • $0Fiduciary activities
  • $1,238Service charges on deposit accounts
  • -$112Trading account gains & fees
  • $34,780Additional noninterest income
  • $41,567Total noninterest expense
  • $18,870Salaries and employee benefits
  • $9,491Premises and equipment expense
  • $13,206Additional noninterest expense
  • $7,481Pre-tax net operating income
  • $1,162Securities gains (losses)
  • $0Applicable income taxes
  • $8,643Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,643Net income attributable to bank
  • $0Net charge-offs
  • $8,643Cash dividends
  • $17,930Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.39%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 3.16%Net interest margin
  • 4.76%Noninterest income to earning assets
  • 5.51%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 11.55%Return on equity (ROE)
  • 11.55%Retained earnings to average equity (YTD only)
  • 3.50%Net charge-offs to loans
  • 59.72%Credit loss provision to net charge-offs
  • 1.01%Efficiency ratio
  • 69,561Assets per employee
  • 2.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.91%Loss allowance to noncurrent loans
  • 37.96%Noncurrent assets plus other real estate owned to assets
  • 7.95%Noncurrent loans to loans
  • 7.66%Net loans and leases to deposits
  • 67.63%Net loans and leases to core deposits
  • 68.00%Equity capital to assets
  • 12.25%Core capital (leverage) ratio
  • 11.66%Tier 1 risk-based capital ratio
  • 20.52%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $865,200Average earning assets
  • $74,800Average equity
  • $754,748Average loans

List of branches

  • 5 Colorado Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    118289249E Yale Ave Branch6460 E. Yale Avenue, Denver, CO 80222Febuary 14, 1994Full Service Brick and Mortar
    119289250Granby Branch91 E. Agate, Granby, CO 80446March 01, 1990Full Service Brick and Mortar
    126287290Denver Branch9672 East Alameda Avenue, Denver, CO 80231July 31, 1997Full Service Brick and Mortar
    146359925Villa Italia Branch7111 West Alameda Avenue, Unit E, Lakewood, CO 80226Febuary 09, 1999Full Service Brick and Mortar
    148495954E Coalton Rd Branch1697 E Coalton Rd, Superior, CO 80027April 09, 2001Full Service Brick and Mortar
  • 7 Florida Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    112287285Washington Boulevard Branch1950 S Tamiami Tr, Sarasota, FL 34239March 27, 1995Full Service Brick and Mortar
    113287286Tamiami Trail Branch8383 South Tamiami Trail, Sarasota, FL 34236July 26, 1994Full Service Brick and Mortar
    125287289Sarasota Branch3577 Clark Road, Sarasota, FL 34231Febuary 28, 1997Full Service Brick and Mortar
    1272872911679 South Tamiami Trail Branch1679 South Tamiami Trail, Venice, FL 34293December 08, 1997Full Service Brick and Mortar
    1282872924103 South Tamiami Trail Branch4103 South Tamiami Trail, Venice, FL 34293Febuary 12, 1998Full Service Brick and Mortar
    130287294Bradenton Branch3901 Cortez Road West, Bradenton, FL 34210May 01, 1998Full Service Brick and Mortar
    15249596460th Avenue Branch1411 60th Ave, Bradenton, FL 34207January 02, 1999Full Service Brick and Mortar
  • 16 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    045076Liberty Savings Bank, F.S.b.647 Fife Avenue, Wilmington, OH 45177September 14, 1984Full Service Brick and Mortar
    100278454310 North High Street Branch310 North High Street, Hillsboro, OH 45133January 01, 1889Full Service Brick and Mortar
    104287277New Main Street Branch111 South Main Street, Lynchburg, OH 45142October 01, 1991Full Service Brick and Mortar
    105287278Centerville Branch215 North Main Street, Centerville, OH 45459October 01, 1991Full Service Brick and Mortar
    106287279Englewood Branch330 West National Road, Englewood, OH 45322October 01, 1991Full Service Brick and Mortar
    107287280Kettering Branch550 E. Stroop Road, Kettering, OH 45429September 03, 1992Full Service Brick and Mortar
    108287281Huber Heights Branch6325 Brandt Pike, Huber Heights, OH 45424May 24, 1993Full Service Brick and Mortar
    111287284Dayton Office2518 Far Hills Avenue, Dayton, OH 45419April 29, 1994Full Service Brick and Mortar
    114287287Seajay Drive Branch3210 Seajay Drive, Beaver Creek, OH 45430July 26, 1994Full Service Brick and Mortar
    129287293Centerville Branch1015 South Main Street, Centerville, OH 45458March 13, 1998Full Service Brick and Mortar
    132357648W. Alex Bell Road Branch2891 W. Alex Bell Road, Dayton, OH 45459May 25, 1999Full Service Brick and Mortar
    133357649W. Second Street Branch120 W. Second Street, Dayton, OH 45402September 30, 1998Full Service Brick and Mortar
    134357650Bigger Road Branch5808 Wilmington Pike, Centerville, OH 45458December 07, 1998Full Service Brick and Mortar
    135359182Dayton Branch4801 North Main Street, Dayton, OH 45405September 13, 1999Full Service Brick and Mortar
    136359183Highlands Ranch Branch1187 E. Dayton Yellow Springs Road, Fairborn, OH 45324April 17, 2000Full Service Brick and Mortar
    150495956West Central Ave Branch260 W Central Ave, Springboro, OH 45066March 19, 2007Full Service Brick and Mortar
  • 5 South Carolina Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    109287282Southwood Branch4 Southwood Park Drive, Hilton Head Island, SC 29926July 01, 1993Full Service Brick and Mortar
    1102872838 Pope Avenue Branch8 Pope Avenue, Hilton Head Island, SC 29928July 01, 1993Full Service Brick and Mortar
    131356505Sea Pines Branch79 Lighthouse Road, Hilton Head Island, SC 29928December 10, 1998Full Service Brick and Mortar
    142359921Bluffton Branch9 Oak Forest Rd, Bluffton, SC 29910August 07, 2000Full Service Brick and Mortar
    143359922Sun City Branch32 William Pope Drive, Okatie, SC 29909November 29, 1999Full Service Brick and Mortar

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