FDIC Certificate #: 29857 Status: Active Federal Reserve ID: 987576 Date Established: January 01, 1919 WWW:http://www.libertysavingsfsa.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 4214 FDIC's unique #: 42691 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: June 04, 1938 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: 24 S Judson, Fort Scott, KS 66701 County: Bourbon Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Springfield Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $38.3 mil Equity capital: $6.3 mil Deposits held in domestic offices: $32.0 mil Return on assets (ROA): 0.28% ($0.1 mil) Quarterly return on assets: 0.26% ($0.1 mil) Return on Equity (ROE): 1.74% ($0.1 mil) Quarterly return on equity: 1.60% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.23% ($88.1 mil) Quarterly Pretax return on assets: -0.36% (-$137.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$38,307Total assets
$3,434Cash and due from depository institutions
$3,341Interest-bearing balances
$21,630Securities
$0Federal funds sold & reverse repurchase agreements
$12,671Net loans & leases
$244Loan loss allowance
$0Trading account assets
$88Bank premises and fixed assets
$93Other real estate owned
$0Goodwill and other intangibles
$38,307Life insurance assets
$391All other assets
$32,042Total liabilities and capital
$31,974Total liabilities
$31,931Total deposits
$31,974Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$68Subordinated debt
$6,265All other liabilities
$6,265Total equity capital
$6,265Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$6,265Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$98Long-term assets (5+ years)
$37,642Average Assets, year-to-date
$0Average Assets, quarterly
$38,376Volatile liabilities
$38,476Insider loans
$10,318FHLB advances
$38,307Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,265Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$145Restructured Loans and leases
$98Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,324Total interest income
$370Total interest expense
$954Net interest income
-$30Provision for loan and lease losses
$18Total noninterest income
$0Fiduciary activities
$8Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$915Total noninterest expense
$541Salaries and employee benefits
$234Premises and equipment expense
$140Additional noninterest expense
$87Pre-tax net operating income
$0Securities gains (losses)
-$21Applicable income taxes
$108Income before extraordinary items
$0Extraordinary gains - net
$108Net income attributable to bank
$0Net charge-offs
$108Cash dividends
-$110Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.52%Yield on earning assets
0.98%Cost of funding earning assets
2.54%Net interest margin
0.05%Noninterest income to earning assets
2.43%Noninterest expense to earning assets
0.28%Net operating income to assets
0.28%Return on assets (ROA)
0.23%Pretax return on assets
1.74%Return on equity (ROE)
1.74%Retained earnings to average equity (YTD only)
-0.81%Net charge-offs to loans
27.27%Credit loss provision to net charge-offs
0.00%Efficiency ratio
94,136Assets per employee
5.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.89%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.24%Noncurrent loans to loans
0.00%Net loans and leases to deposits
39.63%Net loans and leases to core deposits
41.64%Equity capital to assets
16.35%Core capital (leverage) ratio
16.35%Tier 1 risk-based capital ratio
60.72%Total risk-based capital ratio
Memoranda
$62Average assets
$38,376Average earning assets
$6,215Average equity
$37,590Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42691
The Liberty Savings Association, Fsa
24 S Judson, Fort Scott, KS 66701
January 01, 1919
Full Service Brick and Mortar
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