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Liberty Bank, SSB

Austin, TX · Cert 32466

FDIC

Q2 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2004, the quarter ended June 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Bank, SSB

Austin, TX · Cert 32466

FDIC

Q2 2004

$175.1MAssets
$120.3MLoans
$158.1MDeposits
$16.5MEquity
Deposit mix
71%Interest-bearing $111.6M29%Noninterest $46.5MQ2 2003Q2 2004

NIM

5.59%Q2 ’024.92%Q2 ’034.36%Q2 ’04-8%-10%

Non-interest income vs. expense

3.91%Q2 ’023.40%Q2 ’032.90%Q2 ’04-2%-13%

Executive Summary

  • Earnings: ROA of 0.94%, down 21 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 76.08% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

0.94%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.41%-36 bps YoY

Efficiency Ratio (YTD, annualized)

67.05%-239 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets1.15%1.14%1.16%1.05%0.94%-21 bps
Return on Equity13.16%13.07%13.44%12.58%10.76%-239 bps
Net Interest Margin3.77%3.53%3.29%3.20%3.41%-36 bps
Efficiency Ratio69.44%68.82%67.71%67.32%67.05%-239 bps
Non-Interest Burden2.27%2.09%1.91%1.90%1.98%-29 bps
Growth
Asset Growth (YoY)9.93%10.22%17.03%5.31%0.56%-936 bps
Loan Growth (YoY)10.36%4.22%0.15%-10.49%-11.26%-2,161 bps
Deposit Growth (YoY)8.82%9.34%17.66%5.21%0.23%-858 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.05%0.04%-0.01%0.02%-6 bps
Allowance / Loans1.22%1.23%1.25%1.36%1.45%+23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.24%13.06%12.61%13.38%13.85%+61 bps
Equity / Assets8.94%8.75%8.10%8.66%9.44%+50 bps
Liquidity & Funding
Loans / Deposits85.93%83.36%79.27%76.12%76.08%-985 bps
Liquid Assets / Assets8.24%8.02%10.42%8.76%2.29%-595 bps
CRE / Total Capitaln/an/an/an/an/an/an/a