Vitals
  • Total Assets
    159.6M 5.1 %
  • Total Deposits
    138.7M 2.7 %
  • Total Net Loans
    80.9M -5.2 %
  • Net Income
    743000.0000 -19.1 %
  • Book Value
    14.7M -2.0 %
  • Book Value x2
    29.4M -2.0 %
  • Book Value x3
    44.0M -2.0 %
ROAA

.622

ROAE

6.638

Efficiency Ratio

59.47

Net Interest Margin

3.336

Balance Sheet Highlights
Financial Highlights Liberty State Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 159,624 277,739
Total Net Loans 80,948 178,256
Total Deposits 138,747 235,435
Total Equity 14,680 29,045
Profitability
Net Income 743 1,801
Return on Average Assets .622 .783
Return on Average Equity 6.638 7.345
Net Interest Margin 3.336 3.948
Efficiency Ratio 59.47 71.947
Noninterest Income/Revenue 11.732 15.507
Balance Sheet Ratios
Loan-to-Deposit 58.342 72.744
Securities/Assets .327 .202
Total Equity/Total Assets .092 .105
Tangible Equity/Tangible Assets .092 .102
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 14,921 28,736
Tier 2 Capital 1,058 2,266
Total Capital 15,979 31,012
Total Risk Weighted Assets 83,872 190,666
Leverage Ratio 9.29 10.345
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 17.79 15.486
Total Capital Ratio 19.05 16.673

Timeline for Liberty State Bank

Citizen's Bank

Liberty State Bank was acquired by Citizen's Bank 10 years

View Profile Dec 14 2013

Liberty Insurance Company, Inc.

Liberty Insurance Company, Inc. became a new subsidiary organization for Liberty State Bank.

View Profile Aug 25 1999

Citizens Bancorp Investment, Inc.

Citizens Bancorp Investment, Inc. became a new parent organization for Liberty State Bank.

View Profile Jul 28 1999

First National Bank Of Lebanon

Acquisition: Liberty State Bank acquired a new subsidiary, First National Bank Of Lebanon, 42 years

View Profile Mar 15 1982

Liberty State Bank

Liberty State Bank was established 120 years ago and is currently headquartered in Liberty, TN.

Jan 01 1904
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizen's Bank Buyer 59,891 Pooling of Interests Discontinued 12/14/2013
First National Bank Of Lebanon Seller 6,780 Discontinued 3/15/1982
Relationships Role Relationship Start Relationship End
Citizens Bancorp Investment, Inc. Parent 8/18/1999 12/13/2013
Citizens Bancorp Investment, Inc. Parent 7/28/1999 8/17/1999
Liberty Insurance Company, Inc. Subsidary 6/30/2007 12/13/2013
Liberty Insurance Company, Inc. Subsidary 8/25/1999 6/29/2007
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