Liberty National Bank
Conyers, GA — Domestic Branch of a Domestic Bank
Acquired Feb 2005
Vitals
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Total Assets209.2M 33.8 %
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Total Deposits161.0M 14.5 %
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Total Net Loans157.6M 22.4 %
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Net Income358000.0000 -77.0 %
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Book Value40.7M 217.7 %
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Book Value x281.4M 217.7 %
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Book Value x3122.1M 217.7 %
Balance Sheet Highlights
| Financial Highlights | Liberty National Bank | All Insured Commercial Banks in Georgia |
| Balance Sheet $(000) | ||
| Total Assets | 209,206 | 163,782 |
| Total Net Loans | 157,570 | 122,281 |
| Total Deposits | 160,985 | 135,551 |
| Total Equity | 40,709 | 15,660 |
| Profitability | ||
| Net Income | 358 | 8,842 |
| Return on Average Assets | 2.333 | 1.28 |
| Return on Average Equity | 21.878 | 13.265 |
| Net Interest Margin | 5.653 | 4.386 |
| Efficiency Ratio | 36.394 | 64.32 |
| Noninterest Income/Revenue | 13.013 | 13.062 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 97.879 | 84.922 |
| Securities/Assets | .07 | .223 |
| Total Equity/Total Assets | .195 | .096 |
| Tangible Equity/Tangible Assets | .07 | -.226 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 15,471 | 14,961 |
| Tier 2 Capital | 2,142 | 1,569 |
| Total Capital | 17,613 | 16,465 |
| Total Risk Weighted Assets | 171,869 | 125,826 |
| Leverage Ratio | 8.45 | 9.892 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 9 | 13.276 |
| Total Capital Ratio | 10.25 | 14.459 |
Timeline for Liberty National Bank
United Community Bank
Liberty National Bank was acquired by United Community Bank 19 years
View Profile Feb 05 2005
United Community Banks, Inc.
United Community Banks, Inc. became a new parent organization for Liberty National Bank.
View Profile Dec 01 2004
Liberty National Bank
Liberty National Bank was established 26 years ago and is currently headquartered in Conyers, GA.
Oct 14 1997
Liberty National Bancshares, Inc.
Liberty National Bancshares, Inc. became a new parent organization for Liberty National Bank.
View Profile Oct 14 1997| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| United Community Bank | Buyer | 10,278,851 | Pooling of Interests | Discontinued | 2/5/2005 |
| Relationships | Role | Relationship Start | Relationship End |
| United Community Banks, Inc. | Parent | 12/1/2004 | 2/4/2005 |
| Liberty National Bancshares, Inc. | Parent | 10/14/1997 | 11/30/2004 |
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