Liberty Savings Bank, F.S.B.
Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 9.2. A current level of 8.7 percent of nonperforming loans to core capital combined with 12.1 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Home mtgs (53%), securities (22%), home eq lns (11%), consumer loans (8%), cash (4%), other (2%)
States with Branches:
FL, OH
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
James R. Powell Revocable Trust
Investment Rating
--
Address
2251 Rombach Avenue
Wilmington, OH 45177
Wilmington, OH 45177
Phone Number
(937) 382-1000
Year Founded
1889
FDIC Number
Largest Affiliates
No affiliate information available.