# LIBERTY SAVINGS BANK FSB
POTTSVILLE, PA · FDIC certificate 29247 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $23.5M | |
| Deposits | $21.5M | |
| Loans and leases | $17.9M | |
| Total equity | $1.9M | |
| Loans / deposits | 81.69% (p73 of band) | 69.26% |
| Liquid assets / assets | 20.09% (p18 of band) | |
| Uninsured deposits / deposits | 1.92% (p4 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.96% (p10 of band) | 10.29% |
| Unrealized securities loss / equity | 0.00% (p68 of band) | -1.01% |
| AOCI / equity | -0.64% (p75 of band) | |
| ROA (annualized) | -4.35% (p0 of band) | 0.76% |
| Net interest margin | 4.73% (p93 of band) | 3.63% |
| Efficiency ratio | 199.04% (p99 of band) | |
| Noncurrent loans | 6.56% (p96 of band) | 0.94% |
| Net charge-offs (annualized) | 0.44% (p88 of band) | |
| Reserve coverage of noncurrent | 24.13% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 9.74% (p39 of band) | |
| Auto loans | $49,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -20.6% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | securities losses >30% of equity, losing money, expense ratio p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 3 | reserve under noncurrent | securities losses >30% of equity, capital falling |
| 2012-03 | 5 | charge-offs p90, assets shrinking |  |
| 2012-06 | 6 | capital falling |  |
| 2012-09 | 4 |  | assets shrinking, capital falling |
| 2012-12 | 5 | uninsured deposits leaving |  |
| 2013-03 | 5 | capital falling | uninsured deposits leaving |
| 2013-06 | 6 | deposits shrinking, assets shrinking | capital falling |
| 2013-09 | 8 | noncurrent p90, uninsured deposits leaving |  |
| 2013-12 | 6 |  | charge-offs p90, uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2012-03-12 [OCC Enforcement Actions - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTFBNUXFRQ3VLLVUxY3A4ZWJpLU5mOVgxR1pCY3NIREtuMnI5d1A3NnRIVGZ6dmtWNVVYNmMyOGYtZDBGZnhBd29rNGMxaVV2WmNRZlFTX25ldjZIbWljVnZ1VzJzdXY1bVI4SDNESDdYZEpxdjZDcWpsMkp2SWhQUQ?oc=5) · occ.gov
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2013-12-02 [People in the News - Inquirer.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5CWXQ4ckZkMXFYN2tST2tJa3l3QVRacXJyVjNWZHczM0k5TmpIMVNqaWlNXzZLZDR0dnB6eDB5clNoMGg4aU44TTFWU0JLZzV5aHZGTVR4S1Z0VWppSWk5Rm1jMFk5TV9zdERNZ1BnTWhSTExmVXgyaHExcnJWQQ?oc=5) · Inquirer.com
- 2013-11-25 [People in the News - Inquirer.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE4tbjktY0pHSXdZamw3Z2JicUdCcXNXdkJyQVZTWHF1MzNoM21EeVFRUURQNXVwZm5yRkt5OWlxSHB3Tl9kbjgzcTc4VTNsNUZIbkZWVmhZYWFkSnhsZnpyaE5xLThGcFpMckFnVHFYMnZsUkVXQk9oekdNUy03UQ?oc=5) · Inquirer.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29247 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "29247", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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