| Weiss Ratings |
Liberty Bank
Geraldine, AL |
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| Rating | ||||
| Asset Quality Index | 8.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.00 | |||
| Profitability Index | 8.30 | |||
| Stability Index | 4.30 | |||
| Company Info |
Liberty Bank
Geraldine, AL |
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| FDIC Number | 20429 | |||
| Phone Number | (256) 659-2175 | |||
| Website | libertybankal.com | |||
| Asset Quality |
Liberty Bank
Geraldine, AL |
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| 1-Year Asset Growth | 18.93% | |||
| 5-Year Asset Growth | 8.69% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.09% | |||
| Non-Performing Loans to Capital | 0.91% | |||
| Non-Performing Loans to Loans | 0.13% | |||
| Balance Sheet |
Liberty Bank
Geraldine, AL |
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| Total Assets | 258.57M | |||
| Total Deposits | 229.88M | |||
| Capital and Reserves |
Liberty Bank
Geraldine, AL |
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| Capital | 27.43M | |||
| Leverage Ratio | 11.30 | |||
| Loan Loss Reserves to Loans | 1.01% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Liberty Bank
Geraldine, AL |
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| Hot Money Ratio | 38.31% | |||
| Liquidity Ratio | 18.23% | |||
| Profitability |
Liberty Bank
Geraldine, AL |
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| 5-Year Return on Average Assets | 1.31% | |||
| Net Income | 2.06M | |||
| Net Interest Spread | 4.94% | |||
| Operating Profit to Average Assets | 2.03% | |||
| Overhead Efficiency Ratio | 57.51% | |||
| Return on Assets | 1.69% | |||
| Return on Equity | 15.57% | |||