State Bank of Liberty in Liberty, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 22, 1995

State Bank of Liberty in Liberty, Nebraska (NE)
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State Bank of Liberty - Overview

General
FDIC Certificate #: 16324
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Farmers Bank of Cook (#18528)
Federal Reserve ID: 16056
Date Established: September 20, 1945
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 10511
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: October 19, 1945
Last Structure Change Effective Date: April 22, 1995
Last Structure Change Process Date: May 24, 1995
Last Data Update: May 24, 1995
Data Source Date: April 05, 2012
Location
Address: Main Street, Liberty, NE 68381
County: Gage
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Omaha
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Beatrice, NE (#13100)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $2.1 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$3Total assets
$2,033Cash and due from depository institutions
$496Interest-bearing balances
$400Securities
$599Federal funds sold & reverse repurchase agreements
$235Net loans & leases
$675Loan loss allowance
$29Trading account assets
$0Bank premises and fixed assets
$1Other real estate owned
$0Goodwill and other intangibles
$27Life insurance assets
$0All other assets
$0Total liabilities and capital
$2,033Total liabilities
$1,746Total deposits
$1,741Interest-bearing deposits
$1,181Deposits held in domestic offices
1741.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$5Total equity capital
$5Total bank equity capital
$287Perpetual preferred stock
$0Common stock
$25Surplus
$175Undivided profits
Memoranda
$87Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$12Earning assets
$1,909Long-term assets (5+ years)
$0Average Assets, year-to-date
$2,045Average Assets, quarterly
$2,048Volatile liabilities
$0Insider loans
$55FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$287Total risk weighted assets
$869Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$143Total interest expense
$41Net interest income
$102Provision for loan and lease losses
$0Total noninterest income
$7Fiduciary activities
$0Service charges on deposit accounts
$6Trading account gains & fees
$0Additional noninterest income
$1Total noninterest expense
$82Salaries and employee benefits
$53Premises and equipment expense
$4Additional noninterest expense
$25Pre-tax net operating income
$27Securities gains (losses)
$0Applicable income taxes
$7Income before extraordinary items
$20Extraordinary gains - net
$0Net income attributable to bank
$20Net charge-offs
-$7Cash dividends
$0Sale, 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
7.51%Cost of funding earning assets
2.15%Net interest margin
5.35%Noninterest income to earning assets
0.37%Noninterest expense to earning assets
4.30%Net operating income to assets
0.98%Return on assets (ROA)
0.98%Pretax return on assets
1.32%Return on equity (ROE)
7.32%Retained earnings to average equity (YTD only)
7.32%Net charge-offs to loans
-0.92%Credit loss provision to net charge-offs
0.00%Efficiency ratio
75,229Assets per employee
0.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.12%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
38.77%Net loans and leases to core deposits
38.77%Equity capital to assets
14.12%Core capital (leverage) ratio
13.64%Tier 1 risk-based capital ratio
33.03%Total risk-based capital ratio
Memoranda
$34Average assets
$2,045Average earning assets
$273Average equity
$1,905Average loans

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