Liberty Bank and Trust Company
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.3 and a capital leverage ratio of 11.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Good asset quality (6.8). Fair liquidity 3.5, driven by a liquidity ratio of 18.3 percent and a “hot money” ratio of 31.9 percent.
Asset Mix:
Securities (28%), home mtgs (20%), comm re (20%), comm loans (7%), cash (6%), consumer loans (2%), other (18%)
States with Branches:
AL, IL, KS, KY, LA, MI, MO, MS, TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Liberty Financial Services, Inc.
Investment Rating
--
Address
6600 Plaza Drive
New Orleans, LA 70127
New Orleans, LA 70127
Phone Number
(504) 240-4950
Year Founded
1972
FDIC Number
Website
Largest Affiliates
No affiliate information available.