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LIBERTY BANK UPGRADE 1/5/13 1240 GE

AFTER THE ECONOMY CRASH SEVERAL YEARS AGO, LIBERTY BANK SUFFERED LOSSES, FORCING THEM UNDER REGULATORY SCRUTINY. IN 2011, THE BANK, BASED IN SOUTH SAN FRANCISCO, WITH BRANCHES IN FELTON AND BOULDER CREEK, WAS DOWNGRADED TO 2- STARS , AFTER POSTING A QUARTERLY LOSS OF 2-POINT-8 MILLION DOLLARS AND AN 8-PERCENT DELINQUENCY IN ITS LOANS. SINCE SEPTEMBER 30TH OF 2013, BAUER FINANCIAL RATING SERVICE HAS AWARDED AN UPGRADE TO A 4-STAR STATUS. ACCORDING TO CHIEF FINANCIAL OFFICER TOM AMENDOLA, LIBERTY HAS CLEANED UP ITS BALANCE SHEET AND ARE IN THE PROCESS OF PUTTING HIGH QUALITY LOANS BACK IN SERVICE.

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