LibertyBank in Eugene, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 30, 2010

  • LibertyBank in Eugene, Oregon (OR)
  • Show street view No street view available for this location

LibertyBank - Overview

  • General
  • FDIC Certificate #: 31964
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Home Federal Bank (#28258)
    Federal Reserve ID: 650674
    Date Established: January 01, 1978
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 16 (Interstate: No)
    OTS Docket #: 7661
    FDIC's unique #: 44798
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 29, 1979
    Last Structure Change Effective Date: July 30, 2010
    Last Structure Change Process Date: August 02, 2010
    Last Data Update: August 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 355 Goodpasture Island Road, Eugene, OR 97401
    County: Lane
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Portland
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Eugene-Springfield, OR (#2400)
    Core Based Statistical Area (CBSA): Eugene-Springfield, OR (#21660)
    CBSA Metro Statistical Area: Eugene-Springfield, OR (#21660)
  • Financial Summary
  • Total assets: $714.6 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, 2009)

  • Dollar figures in thousands
  • 223Total employees (full-time equivalent)
  • $821,688Total assets
  • $58,376Cash and due from depository institutions
  • $48,247Interest-bearing balances
  • $40,348Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $625,436Net loans & leases
  • $15,970Loan loss allowance
  • $0Trading account assets
  • $23,265Bank premises and fixed assets
  • $32,886Other real estate owned
  • $17Goodwill and other intangibles
  • $0Life insurance assets
  • $41,360All other assets
  • $821,688Total liabilities and capital
  • $774,596Total liabilities
  • $757,309Total deposits
  • $690,411Interest-bearing deposits
  • $757,309Deposits held in domestic offices
  • 95.56%% insured (estimated)
  • $7,581Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $6,462Other borrowed funds
  • $0Subordinated debt
  • $3,244All other liabilities
  • $47,092Total equity capital
  • $47,092Total bank equity capital
  • $47,092Perpetual preferred stock
  • $0Common stock
  • $1,056Surplus
  • $11,916Undivided profits
  • Memoranda
  • $34,120Noncurrent loans and leases
  • $53,680Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $27,116Earning assets
  • $0Long-term assets (5+ years)
  • $2,923Average Assets, year-to-date
  • $714,031Average Assets, quarterly
  • $172,907Volatile liabilities
  • $873,146Insider loans
  • $838,824FHLB advances
  • $179,927Loans and leases held for sale
  • $498Unused loan commitments
  • $6,037Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $53,680Total unused commitments
  • $17,175Restructured Loans and leases
  • $8,413Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $54,689Total interest income
  • $17,634Total interest expense
  • $37,055Net interest income
  • $59,645Provision for loan and lease losses
  • -$4,518Total noninterest income
  • $0Fiduciary activities
  • $1,807Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$6,325Additional noninterest income
  • $29,764Total noninterest expense
  • $13,371Salaries and employee benefits
  • $4,613Premises and equipment expense
  • $11,780Additional noninterest expense
  • -$56,872Pre-tax net operating income
  • $324Securities gains (losses)
  • -$22,219Applicable income taxes
  • -$34,329Income before extraordinary items
  • $0Extraordinary gains - net
  • -$34,329Net income attributable to bank
  • $0Net charge-offs
  • -$34,329Cash dividends
  • $63,543Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.03%Yield on earning assets
  • 2.27%Cost of funding earning assets
  • 4.76%Net interest margin
  • -0.58%Noninterest income to earning assets
  • 3.83%Noninterest expense to earning assets
  • -3.96%Net operating income to assets
  • -3.93%Return on assets (ROA)
  • -6.48%Pretax return on assets
  • -56.42%Return on equity (ROE)
  • -56.42%Retained earnings to average equity (YTD only)
  • 8.61%Net charge-offs to loans
  • 93.87%Credit loss provision to net charge-offs
  • 0.04%Efficiency ratio
  • 91,477Assets per employee
  • 3.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.49%Loss allowance to noncurrent loans
  • 58.90%Noncurrent assets plus other real estate owned to assets
  • 7.30%Noncurrent loans to loans
  • 4.23%Net loans and leases to deposits
  • 82.59%Net loans and leases to core deposits
  • 106.84%Equity capital to assets
  • 5.73%Core capital (leverage) ratio
  • 4.35%Tier 1 risk-based capital ratio
  • 5.49%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $873,146Average earning assets
  • $60,841Average equity
  • $778,066Average loans

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