401k Plan data: LIBERTY BANK EMPLOYEES 401(K) PLAN plan

LIBERTY BANK EMPLOYEES 401(K) PLAN 401k Plan overview

Plan Name	LIBERTY BANK EMPLOYEES 401(K) PLAN
Plan identification number	002

LIBERTY BANK EMPLOYEES 401(K) PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Prototype plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion or notification letter; and under which a seperate funding medium (for example, a seperate trust or custodial account) is established for the use of each adopting employer.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

LIBERTY BANK has sponsored the creation of one or more 401k plans.

Company Name: LIBERTY BANK

Employer identification number (EIN): 420987568

NAIC Classification: 522110
NAIC Description: Commercial Banking

Form 5500 Filing Information

Submission information for form 5500 for 401k plan LIBERTY BANK EMPLOYEES 401(K) PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2011-01-01 KATE WOLFE KATE WOLFE 2012-10-03
002 2010-01-01 KATE WOLFE KATE WOLFE 2012-10-03
002 2009-01-01 KATE WOLFE KATE WOLFE 2012-10-03
002 2008-01-01 KATE WOLFE
002 2007-01-01 KATE WOLFE

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
002	2011-01-01	KATE WOLFE	KATE WOLFE	2012-10-03
002	2010-01-01	KATE WOLFE	KATE WOLFE	2012-10-03
002	2009-01-01	KATE WOLFE	KATE WOLFE	2012-10-03
002	2008-01-01	KATE WOLFE
002	2007-01-01	KATE WOLFE

Plan Statistics for LIBERTY BANK EMPLOYEES 401(K) PLAN

401k plan membership statisitcs for LIBERTY BANK EMPLOYEES 401(K) PLAN

Measure Date Value
2011: LIBERTY BANK EMPLOYEES 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 385
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 314
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 48
Total of all active and inactive participants 2011-01-01 362
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 362
Number of participants with account balances 2011-01-01 325
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 59
2010: LIBERTY BANK EMPLOYEES 401(K) PLAN 2010 401k membership
Total participants, beginning-of-year 2010-01-01 404
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 343
Number of retired or separated participants receiving benefits 2010-01-01 0
Number of other retired or separated participants entitled to future benefits 2010-01-01 47
Total of all active and inactive participants 2010-01-01 390
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 390
Number of participants with account balances 2010-01-01 349
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 63
2009: LIBERTY BANK EMPLOYEES 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 406
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 353
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 117
Total of all active and inactive participants 2009-01-01 470
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 470
Number of participants with account balances 2009-01-01 364
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 72
2008: LIBERTY BANK EMPLOYEES 401(K) PLAN 2008 401k membership
Total participants, beginning-of-year 2008-01-01 396
Total number of active participants reported on line 7a of the Form 5500 2008-01-01 383
Number of other retired or separated participants entitled to future benefits 2008-01-01 25
Total of all active and inactive participants 2008-01-01 408
Total participants 2008-01-01 408
Number of participants with account balances 2008-01-01 368
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2008-01-01 58
2007: LIBERTY BANK EMPLOYEES 401(K) PLAN 2007 401k membership
Total participants, beginning-of-year 2007-01-01 318
Total number of active participants reported on line 7a of the Form 5500 2007-01-01 370
Number of other retired or separated participants entitled to future benefits 2007-01-01 25
Total of all active and inactive participants 2007-01-01 395
Total participants 2007-01-01 395
Number of participants with account balances 2007-01-01 347
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2007-01-01 61

Measure	Date	Value
2011: LIBERTY BANK EMPLOYEES 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	385
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	314
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	48
Total of all active and inactive participants	2011-01-01	362
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	362
Number of participants with account balances	2011-01-01	325
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	59
2010: LIBERTY BANK EMPLOYEES 401(K) PLAN 2010 401k membership
Total participants, beginning-of-year	2010-01-01	404
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	343
Number of retired or separated participants receiving benefits	2010-01-01	0
Number of other retired or separated participants entitled to future benefits	2010-01-01	47
Total of all active and inactive participants	2010-01-01	390
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	390
Number of participants with account balances	2010-01-01	349
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	63
2009: LIBERTY BANK EMPLOYEES 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	406
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	353
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	117
Total of all active and inactive participants	2009-01-01	470
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	470
Number of participants with account balances	2009-01-01	364
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	72
2008: LIBERTY BANK EMPLOYEES 401(K) PLAN 2008 401k membership
Total participants, beginning-of-year	2008-01-01	396
Total number of active participants reported on line 7a of the Form 5500	2008-01-01	383
Number of other retired or separated participants entitled to future benefits	2008-01-01	25
Total of all active and inactive participants	2008-01-01	408
Total participants	2008-01-01	408
Number of participants with account balances	2008-01-01	368
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2008-01-01	58
2007: LIBERTY BANK EMPLOYEES 401(K) PLAN 2007 401k membership
Total participants, beginning-of-year	2007-01-01	318
Total number of active participants reported on line 7a of the Form 5500	2007-01-01	370
Number of other retired or separated participants entitled to future benefits	2007-01-01	25
Total of all active and inactive participants	2007-01-01	395
Total participants	2007-01-01	395
Number of participants with account balances	2007-01-01	347
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2007-01-01	61

Financial Data on LIBERTY BANK EMPLOYEES 401(K) PLAN

Measure	Date	Value
2011 : LIBERTY BANK EMPLOYEES 401(K) PLAN 2011 401k financial data
Unrealized appreciation/depreciation of real estate assets	2011-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2011-12-31	$0
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total transfer of assets to this plan	2011-12-31	$0
Total transfer of assets from this plan	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$1,947,422
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$2,649,556
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$2,593,180
Expenses. Certain deemed distributions of participant loans	2011-12-31	$0
Value of total corrective distributions	2011-12-31	$18,710
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$2,097,661
Value of total assets at end of year	2011-12-31	$11,216,709
Value of total assets at beginning of year	2011-12-31	$11,918,843
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$37,666
Total income from rents	2011-12-31	$0
Total interest from all sources	2011-12-31	$10,989
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$44,901
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$44,901
Administrative expenses professional fees incurred	2011-12-31	$0
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Amount of non-exempt transactions with any party-in-interest	2011-12-31	$0
Contributions received from participants	2011-12-31	$1,261,959
Participant contributions at end of year	2011-12-31	$219,332
Participant contributions at beginning of year	2011-12-31	$181,362
Participant contributions at end of year	2011-12-31	$0
Participant contributions at beginning of year	2011-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$419,466
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2011-12-31	$685
Value of other receiveables (less allowance for doubtful accounts) at end of year	2011-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2011-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2011-12-31	$0
Other income not declared elsewhere	2011-12-31	$0
Administrative expenses (other) incurred	2011-12-31	$0
Liabilities. Value of operating payables at beginning of year	2011-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$-702,134
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$11,216,709
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$11,918,843
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Amount of loans by the plan or fixed income obligations due to the plan which were in default/classified-as-uncollectible as of the close of the plan year	2011-12-31	$0
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Amount of leases to which the plan was a party which were in default/classified-as-uncollectible during the year	2011-12-31	$0
Investment advisory and management fees	2011-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$1,645,086
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$2,256,078
Value of interest in pooled separate accounts at end of year	2011-12-31	$7,483,467
Value of interest in pooled separate accounts at beginning of year	2011-12-31	$7,761,672
Interest on participant loans	2011-12-31	$10,989
Income. Interest from loans (other than to participants)	2011-12-31	$0
Interest earned on other investments	2011-12-31	$0
Income. Interest from US Government securities	2011-12-31	$0
Income. Interest from corporate debt instruments	2011-12-31	$0
Value of interest in common/collective trusts at end of year	2011-12-31	$1,437,836
Value of interest in common/collective trusts at beginning of year	2011-12-31	$1,185,346
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-12-31	$0
Expenses. Payments to insurance carriers foe the provision of benefits	2011-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-204,843
Net investment gain/loss from pooled separate accounts	2011-12-31	$-32,028
Net investment gain or loss from common/collective trusts	2011-12-31	$30,742
Net gain/loss from 103.12 investment entities	2011-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$416,236
Employer contributions (assets) at end of year	2011-12-31	$430,988
Employer contributions (assets) at beginning of year	2011-12-31	$534,385
Income. Dividends from preferred stock	2011-12-31	$0
Income. Dividends from common stock	2011-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$2,592,495
Contract administrator fees	2011-12-31	$37,666
Liabilities. Value of benefit claims payable at beginning of year	2011-12-31	$0
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Aggregate proceeds on sale of assets	2011-12-31	$0
Aggregate carrying amount (costs) on sale of assets	2011-12-31	$0
Liabilities. Value of acquisition indebtedness at beginning of year	2011-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	MARSHALL VANDER LINDEN CPA, PLC
Accountancy firm EIN	2011-12-31	201260566
2010 : LIBERTY BANK EMPLOYEES 401(K) PLAN 2010 401k financial data
Unrealized appreciation/depreciation of real estate assets	2010-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$0
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total transfer of assets to this plan	2010-12-31	$0
Total transfer of assets from this plan	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$3,639,056
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$1,322,241
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$1,276,665
Expenses. Certain deemed distributions of participant loans	2010-12-31	$0
Value of total corrective distributions	2010-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$2,258,223
Value of total assets at end of year	2010-12-31	$11,918,843
Value of total assets at beginning of year	2010-12-31	$9,602,028
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$45,576
Total income from rents	2010-12-31	$0
Total interest from all sources	2010-12-31	$7,381
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$39,409
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$39,409
Administrative expenses professional fees incurred	2010-12-31	$7,300
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$2,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Amount of non-exempt transactions with any party-in-interest	2010-12-31	$0
Contributions received from participants	2010-12-31	$1,398,689
Participant contributions at end of year	2010-12-31	$181,362
Participant contributions at beginning of year	2010-12-31	$140,054
Participant contributions at end of year	2010-12-31	$0
Participant contributions at beginning of year	2010-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$325,149
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2010-12-31	$12
Value of other receiveables (less allowance for doubtful accounts) at end of year	2010-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2010-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2010-12-31	$0
Other income not declared elsewhere	2010-12-31	$0
Administrative expenses (other) incurred	2010-12-31	$18
Liabilities. Value of operating payables at beginning of year	2010-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$2,316,815
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$11,918,843
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$9,602,028
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Amount of loans by the plan or fixed income obligations due to the plan which were in default/classified-as-uncollectible as of the close of the plan year	2010-12-31	$0
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Amount of leases to which the plan was a party which were in default/classified-as-uncollectible during the year	2010-12-31	$0
Investment advisory and management fees	2010-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$2,256,078
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$1,340,077
Value of interest in pooled separate accounts at end of year	2010-12-31	$7,761,672
Value of interest in pooled separate accounts at beginning of year	2010-12-31	$6,559,996
Interest on participant loans	2010-12-31	$7,381
Income. Interest from loans (other than to participants)	2010-12-31	$0
Interest earned on other investments	2010-12-31	$0
Income. Interest from US Government securities	2010-12-31	$0
Income. Interest from corporate debt instruments	2010-12-31	$0
Value of interest in common/collective trusts at end of year	2010-12-31	$1,185,346
Value of interest in common/collective trusts at beginning of year	2010-12-31	$1,021,817
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2010-12-31	$0
Expenses. Payments to insurance carriers foe the provision of benefits	2010-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$199,175
Net investment gain/loss from pooled separate accounts	2010-12-31	$1,095,213
Net investment gain or loss from common/collective trusts	2010-12-31	$39,655
Net gain/loss from 103.12 investment entities	2010-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$534,385
Employer contributions (assets) at end of year	2010-12-31	$534,385
Employer contributions (assets) at beginning of year	2010-12-31	$540,084
Income. Dividends from preferred stock	2010-12-31	$0
Income. Dividends from common stock	2010-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$1,276,653
Contract administrator fees	2010-12-31	$38,258
Liabilities. Value of benefit claims payable at beginning of year	2010-12-31	$0
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Aggregate proceeds on sale of assets	2010-12-31	$0
Aggregate carrying amount (costs) on sale of assets	2010-12-31	$0
Liabilities. Value of acquisition indebtedness at beginning of year	2010-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	MARSHALL VANDERLINDEN, CPA, PLC
Accountancy firm EIN	2010-12-31	201260566
2008 : LIBERTY BANK EMPLOYEES 401(K) PLAN 2008 401k financial data
Total income from all sources (including contributions)	2008-12-31	$-205,473
Total of all expenses incurred	2008-12-31	$681,456
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2008-12-31	$650,927
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2008-12-31	$2,459,940
Value of total assets at end of year	2008-12-31	$6,829,033
Value of total assets at beginning of year	2008-12-31	$7,715,962
Total of administrative expenses incurred including professional, contract, advisory and management fees	2008-12-31	$30,529
Total interest from all sources	2008-12-31	$5,431
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2008-12-31	No
Was this plan covered by a fidelity bond	2008-12-31	Yes
Value of fidelity bond cover	2008-12-31	$450,000
If this is an individual account plan, was there a blackout period	2008-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2008-12-31	No
Contributions received from participants	2008-12-31	$1,441,020
Participant contributions at end of year	2008-12-31	$75,621
Participant contributions at beginning of year	2008-12-31	$56,240
Income. Received or receivable in cash from other sources (including rollovers)	2008-12-31	$469,699
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2008-12-31	$740
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2008-12-31	No
Value of net income/loss	2008-12-31	$-886,929
Value of net assets at end of year (total assets less liabilities)	2008-12-31	$6,829,033
Value of net assets at beginning of year (total assets less liabilities)	2008-12-31	$7,715,962
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2008-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2008-12-31	No
Were any leases to which the plan was party in default or uncollectible	2008-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2008-12-31	$793,730
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2008-12-31	$1,335,118
Value of interest in pooled separate accounts at end of year	2008-12-31	$4,601,492
Value of interest in pooled separate accounts at beginning of year	2008-12-31	$5,381,264
Interest on participant loans	2008-12-31	$5,431
Value of interest in common/collective trusts at end of year	2008-12-31	$808,969
Value of interest in common/collective trusts at beginning of year	2008-12-31	$462,349
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2008-12-31	$-624,841
Net investment gain/loss from pooled separate accounts	2008-12-31	$-2,035,580
Net investment gain or loss from common/collective trusts	2008-12-31	$-10,423
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2008-12-31	No
Was there a failure to transmit to the plan any participant contributions	2008-12-31	No
Has the plan failed to provide any benefit when due under the plan	2008-12-31	No
Contributions received in cash from employer	2008-12-31	$549,221
Employer contributions (assets) at end of year	2008-12-31	$549,221
Employer contributions (assets) at beginning of year	2008-12-31	$480,991
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2008-12-31	$650,187
Contract administrator fees	2008-12-31	$30,529
Did the plan have assets held for investment	2008-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2008-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2008-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2008-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2008-12-31	Disclaimer
Accountancy firm name	2008-12-31	MARSHALL VANDER LINDEN CPA, PL
Accountancy firm EIN	2008-12-31	201260566
2007 : LIBERTY BANK EMPLOYEES 401(K) PLAN 2007 401k financial data
Total income from all sources (including contributions)	2007-12-31	$2,405,020
Total of all expenses incurred	2007-12-31	$682,531
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2007-12-31	$639,890
Value of total corrective distributions	2007-12-31	$11,084
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2007-12-31	$2,034,046
Value of total assets at end of year	2007-12-31	$7,715,962
Value of total assets at beginning of year	2007-12-31	$5,993,473
Total of administrative expenses incurred including professional, contract, advisory and management fees	2007-12-31	$31,557
Total interest from all sources	2007-12-31	$2,177
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2007-12-31	No
Was this plan covered by a fidelity bond	2007-12-31	Yes
Value of fidelity bond cover	2007-12-31	$450,000
If this is an individual account plan, was there a blackout period	2007-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2007-12-31	No
Contributions received from participants	2007-12-31	$1,340,897
Participant contributions at end of year	2007-12-31	$56,240
Participant contributions at beginning of year	2007-12-31	$22,406
Participant contributions at beginning of year	2007-12-31	$50,506
Income. Received or receivable in cash from other sources (including rollovers)	2007-12-31	$212,158
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2007-12-31	$1,219
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2007-12-31	No
Value of net income/loss	2007-12-31	$1,722,489
Value of net assets at end of year (total assets less liabilities)	2007-12-31	$7,715,962
Value of net assets at beginning of year (total assets less liabilities)	2007-12-31	$5,993,473
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2007-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2007-12-31	No
Were any leases to which the plan was party in default or uncollectible	2007-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2007-12-31	$1,335,118
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2007-12-31	$1,190,486
Value of interest in pooled separate accounts at end of year	2007-12-31	$5,381,264
Value of interest in pooled separate accounts at beginning of year	2007-12-31	$3,917,152
Interest on participant loans	2007-12-31	$2,177
Value of interest in common/collective trusts at end of year	2007-12-31	$462,349
Value of interest in common/collective trusts at beginning of year	2007-12-31	$428,302
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2007-12-31	$74,211
Net investment gain/loss from pooled separate accounts	2007-12-31	$273,282
Net investment gain or loss from common/collective trusts	2007-12-31	$21,304
Was there a failure to transmit to the plan any participant contributions	2007-12-31	No
Has the plan failed to provide any benefit when due under the plan	2007-12-31	No
Contributions received in cash from employer	2007-12-31	$480,991
Employer contributions (assets) at end of year	2007-12-31	$480,991
Employer contributions (assets) at beginning of year	2007-12-31	$384,621
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2007-12-31	$638,671
Contract administrator fees	2007-12-31	$31,557
Did the plan have assets held for investment	2007-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2007-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2007-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2007-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2007-12-31	Disclaimer
Accountancy firm name	2007-12-31	MARSHALL VANDER LINDEN CPA
Accountancy firm EIN	2007-12-31	201260566

Form 5500 Responses for LIBERTY BANK EMPLOYEES 401(K) PLAN

2011: LIBERTY BANK EMPLOYEES 401(K) PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	Yes
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Insurance	Yes
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement – Insurance	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: LIBERTY BANK EMPLOYEES 401(K) PLAN 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	Yes
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Insurance	Yes
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement – Insurance	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: LIBERTY BANK EMPLOYEES 401(K) PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	Yes
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Insurance	Yes
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement – Insurance	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes
2008: LIBERTY BANK EMPLOYEES 401(K) PLAN 2008 form 5500 responses
2008-01-01	Type of plan entity	Single employer plan
2008-01-01	Submission has been amended	Yes
2008-01-01	This submission is the final filing	No
2008-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2008-01-01	Plan is a collectively bargained plan	No
2008-01-01	Plan funding arrangement – Insurance	Yes
2008-01-01	Plan funding arrangement – Trust	Yes
2008-01-01	Plan benefit arrangement – Insurance	Yes
2008-01-01	Plan benefit arrangement - Trust	Yes
2007: LIBERTY BANK EMPLOYEES 401(K) PLAN 2007 form 5500 responses
2007-01-01	Type of plan entity	Single employer plan
2007-01-01	Submission has been amended	Yes
2007-01-01	This submission is the final filing	No
2007-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2007-01-01	Plan is a collectively bargained plan	No
2007-01-01	Plan funding arrangement – Insurance	Yes
2007-01-01	Plan funding arrangement – Trust	Yes
2007-01-01	Plan benefit arrangement – Insurance	Yes
2007-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	LIBERTY BANK
Employer identification number (EIN):	420987568
NAIC Classification:	522110
NAIC Description:	Commercial Banking