2018 ANNUAL REPORT BUILDING MOVING GROWING
2018 ANNUAL REPORTBUILDINGMOVINGGROWING
CEO LETTERA year unlike any otherFor our customers, we are committed2018 was a year to remember atto your long-term success and will stopLiberty! Epic on many levels, last yearat nothing to help you manage yourmade me prouder than ever to be partfinances with ease and confidence.of such an incredible, strong company.We drew closer to our vision – ToFor our communities, when youBecome the Most Admired Companysucceed, we succeed. We will continuein Connecticut – with our considerableto give back in ways that help move usaccomplishments and chart-toppingtoward a brighter future.results. Our employees continuedto impress with their dedication toFor our teammates, you make all ofour customers, communities and ourour successes a reality. We will remainbrand. We were named a Hartforddedicated to your growth, provide youCourant Top Workplace for thewith valuable resources and invest in youseventh straight year and a Best Bankpersonally and professionally.in America by Forbes for the first time!Over 11 years ago when I becameOur partners put their best feetPresident and CEO, I knew Liberty wasforward helping with two excitingspecial right from the start. Yet, I had notransitions– the full revamp andidea my journey would be so rewardinglaunch of our new digital bankingand memorable. I’ve had many, manyplatform and website, and the moveproud moments, and I want to thankto our new 90,000-square-footour amazing team for leading us toCorporate Headquarters set on angreatness. Although my retirement isimpressive 23 acres!bittersweet, I look forward to seeingwhat else unfolds as we turn the pageAs a financially sound company, weto the next chapter in Liberty’s history.celebrated 193 years of service toOur new President and CEO, DavidConnecticut and assets hit the 5.1W. Glidden, along with the rest of ourbillion mark. We welcomed 13,565 newteam, will carry the torch to lead thehouseholds, opened 18,000 consumerway toward great accomplishments andand 3,000 business checking accounts,building lasting relationships with ourand experienced 150 million incustomers every step of the way.deposit growth. Liberty providedmillions in loans for businesses andSincerely,consumers. Our Foundation awardedmore than 900,000 in grants and ouremployees volunteered 14,000 hoursof service to our communities.Chandler J. HowardPresident and CEOWe are well positioned to continue fullspeed ahead into the future! Liberty isa unique institution devoted to being atrusted financial partner and resource.
Photographed here in the Reception Area andMain Lobby of our new Corporate Headquarters(245 Long Hill Road, Middletown, CT) are: Projectpartners from FIP Construction and W.B. Mason withmembers of our Technology, Facilities, and ExecutiveManagement Teams. These members, along with manyother vital partners and people, were instrumentalin the construction, renovation, design, and overallinfrastructure of our impressive Long Hill Road Project!Chandler J. HowardPresident and CEOAWARDED HARTFORDCOURANT TOP WORKPLACESINCE 2012BUILDINGON OUR PASTSUCCESSES
2018 HIGHLIGHTSBUILDINGfor the futureAs voted on by employees,Liberty Bank was named aHartford Courant Top Workplacefor the seventh straight year!GREW TO 5.1BILLIONIN ASSETSOVER 300MILLIONIN ASSET GROWTH 150MILLIONIN DEPOSIT GROWTHLiberty Bank was honored withthe 2018 Financial CapabilityInnovation Award presented bythe nation’s leading technologyinnovator, EVERFI, Inc. The awardrecognizes the Bank for significantefforts to improve the financialcapability of Americans throughunique digital learning initiatives.Financial Advisors BrianMcLaughlin, Skip Marquardt,Dwayne Stallings and RodDuxbury achieved ExecutiveCouncil Status within RaymondJames Financial Services.President and CEO Chandler J.Howard received the LeadershipAward at the Hartford Courant TopWorkplace Event. 275MILLIONIN LOAN PORTFOLIO GROWTHPORTFOLIO GROWTH OF NEARLY 40MILLIONIN CONSUMER REAL ESTATE11OF200NATION WIDEOur Investment Services programachieved Raymond JamesFinancial Services Leader’sCouncil status, ranking 11thplace out of nearly 200 financialinstitutions across the country. 2018 FORBES LLC, USED BY PERMISSIONOVERBased on customer satisfactionand trust, Liberty Bank was oneof three Connecticut banks to berecognized as a 2018 “America’sBest Bank” by Forbes.
TOP 25Liberty Bank Investment ServicesManager, Jill Honeycomb,was one of Bank InvestmentConsultant Magazine’s Top 25Managers in the country.President and CEO, ChandlerJ. Howard received a “LocalLeaders, Local Legends”Leadership Award from theCommunity Foundation ofMiddlesex County.We received the MiddlesexChamber of Commerce’s 2018AT&T Veteran Support Businessof the Year Award.We continued to offer Home Lendingoptions to fit any financial situation andhelp people fulfill their dreams, includinglow-down payment and down paymentassistance programs, options for veterans,new construction and renovation projects.MOVING 100KWITHIN 24 HOURSin the right direction –upward and onwardOur Customer Service Centeragents answered nearly 218,000calls! Specialists providedexceptional one-on-one supportsix days a week with quick fixes likepassword unlocks and resets andfound more complex solutions fortools like Bill Pay. Their guidanceand expertise were particularlycrucial during our Online Bankingtransition in early 2018!13,565NEW HOUSEHOLDSWe have 240,000 total customersand proudly on boarded 13,565new households in 2018 – themost ever in one year’s time!We introduced Positive Pay tobetter protect the assets of ourbusiness customers through anautomated fraud detection tool.We wowed our savvy smallbusiness customers with thelaunch of a brand new servicefor loans up to 100,000 – ourBusiness Express Loan – withturnaround time and approval inas little as 24 hours!Our 700 employees participatedin over 37,000 hours of trainingto broaden and sharpen theskills they need to better serveour customers. Each employeeaveraged 53 hours of trainingand e-learning hours outweighedinstructor-led classroom hours forthe first time.
NEWWe were named the BestBank in Connecticut at theRecord Journal’s Readers’Choice Awards as a result ofvotes from people within thepublication’s footprint.%We launched a Fixed Rate HomeEquity product and enhancedthe customer experiencethrough the launch of an online,user friendly loan review andapproval dashboard.Our loyal branch employeesopened over 18,000 consumerchecking accounts and over 3,000new business checking accounts!In 2018, we implemented thebranch pod design in ourNewington, Glastonbury, andNorth Haven branches. Thismeans we now have 10 podlocations in our network andanticipate adding more in 2019!Renovating branches improvesefficiency and takes our customerexperience to the next level, awin, win for everyone.GROWINGour roots and deepening our commitmentUnselfish acts by our employeesled to 14,000 volunteer hours,helping causes they arepassionate about. From helpingveterans, to animal rescuegroups and organizations thatwork to end homelessness inevery corner of Connecticut.We continued to develop uniqueproducts with great benefits andadded perks, and accounts tomatch spending habits. In 2018,we debuted My PaySM StudentBanking in July and it immediatelytopped the millennial charts withnearly 1,800 checking accountsopened last year alone!18,000Liberty Bank Investment Servicesgenerated more than 4.9 millionin revenue! The team also placeda total of nearly 159 millionassets, exceeding the previousyear by almost 46 million! 4.9MMLBIS400XOur Small Business Loan Centerclosed just about 400 loans – thistotaled a whopping 36 million! 950MMOn the Commercial Lending side,we provided over 950 million inloans including 260 million inResort Finance loans, 28 percentmore than in 2017! Our ResortFinance team also released anew product, Home OwnersAssociation loans, which hit theground running and has thepotential to be a very solid newbusiness opportunity in 2019.
We partnered with WTNH News8 to host a Save-A-Suit drive forveterans at each of our 55 branchlocations. In just the first twoweeks of May, nearly 4,000 itemswere donated by our generouscustomers and employees tosupport local veterans as theytransition back into the workplace!Our Commercial Real Estate (CRE)team produced outstanding results.They closed 427 million in newloans. This brought the portfolio toan impressive 1.8 billion! In addition,we continued to support housingneeds throughout Connecticut. Lastyear, our CRE approved the financingof more than 500 housing units inthe state and more than 165 willprovide affordable housing to peoplein our communities.Our security experts and scamartist catchers also made greatstrides, further protecting ourcustomers, averting losses andstaying in tune with the latestfraud trends. Our team constantlyworks closely with all areas of theBank to increase fraud educationand awareness through ongoingemployee training and customercommunication.CRE 427MMOur Home Lending teamproduced 240 million inmortgage originations, alongwith 102 million in Home Equityand Home Equity Line of Creditoriginations. What’s more,we added five Loan Officersto provide home lendingopportunities for more low-tomoderate income households.In 1935 Liberty Bank was afounder of and began supportingMiddlesex United Way. Sincethen, we have expandedbeyond Middlesex County andsuccessfully grown donations,putting tens of millions of dollarsback into local communities. Lastyear, we raised about 275,000 tosupport programs and services forfamilies throughout our footprint!!On the Community Developmentside, we launched a self-brandeddigital financial literacy platformin collaboration with the FDICand hosted our Academy forSmall Business helping about35 local entrepreneurs in NewHaven, Norwich and New Britain,among many other achievements! 240MMEach year, our Giving Circleprogram sets aside 100 for everymortgage application receivedby the bank in April and May, andthen divides the accumulatedfunds among local agencies thatprovide emergency or transitionalhousing for homeless families andindividuals. As of 2018, the totaldonated through the 24-year-oldprogram rose to almost 595,000. 900KLiberty Bank Foundation awardedmore than 900,000 in grants tononprofits within the many diversecommunities we serve, supportingeducation, affordable housing andbasic needs. The Return on Investment: libertybankfoundation.org/results
201 8 H IGH L IGH T: DIGI TA L E C OS Y S T E MTHE COREOF OURSUCCESS:Customers, Communitiesand Colleagues2018 was full of building, moving (literally) andgrowing on many, many fronts all because wewant our customers and employees to reaffirmtheir admiration for Liberty!The Building of a New Digital SpaceWe are devoted to being forward thinkers and stayingrelevant in the ever-evolving digital space. Giving you thetools needed to simplify your life and confidently build a safe,sound financial future is and will always be a top priority. Tothat end, after years of planning and thoughtful decisionmaking, the formation of many solid partnerships inside andoutside Liberty, and working around the clock we releaseda brand new Online Banking and Mobile Banking Platformand website in early 2018! Our goal: to find more ‘hip’ waysfor you to manage the financial side of things right from yourfingertips at any time and in almost any place.
An upgrade from the good ‘ole days.Here’s what we aimed to achieve banking that’s: easyto use, convenient for that on-the-go lifestyle, and superhands-on. So, on top of creating two new design themesfor you to pick from, some exciting bells and whistlesinclude: the ability to view tax documents online, DebitCard controls, Send Money, Liberty2Liberty transfers,and Money Manager.Debit Card controls allow you to turn on and off cardswhen lost or stolen, block debit cards from being usedat certain merchants, and even block certain transactiontypes. You also have the option to set up alerts so youare aware of things like where your card is being used orwhen a transaction is denied.Our savvy Personal Financial Management tool –Money Manager – lives up to our brand promise with adashboard for aggregating and seeing your full financial picture all in one place! Money Manager helps you keepan eye on your spending, track trends and save for thatnext big adventure.Send Money is a free, simple way to pay any person – nomatter where they bank –by text or email. All you needis their account number and a few business days for thepayment to process!Liberty2Liberty money transfers are free andimmediate! You can move funds back and forth fromyour Liberty Bank accounts and easily pay family, friends,co-workers and more. As long as the person you arepaying is also a Liberty customer, it literally takes no timeat all to pay whomever, whenever completely onlineand without hassle!
THE MOVETO OURNEW SPACEThe fall of 2018 came with more than just the changing leaves! Theexcitement continued at Liberty when, in October, we moved nearly300 employees to our new 90,000 square foot Corporate Headquartersset on an impressive 23 acres in Middletown! Our long-term success,dedication to our customers and desire to give our employees only thebest of the best, brought us to this very important milestone in LibertyBank history. Our world-class facility at 245 Long Hill Road allows forincreased innovation, efficiency and collaboration, supporting ourefforts to continue to be a leading company in the state!2018 HIGHLIGHT: 245 LONG HILL ROAD
Photographed here are members of our Customer Service Center and Online Banking Teamsin a Collaboration Area at 245 Long Hill Road.“ Liberty Bank offered us a unique opportunity over the past two years topartner with them. We helped create a new and consolidated facility tosuit their amazing growth. It was a collaborative effort with the Bank’semployees, our design and construction team, and a dedicated workforceof virtually all local Connecticut contractors and tradespeople. Throughthis joint effort, we successfully delivered Liberty a gorgeous, brand newCorporate Headquarters, on time and within budget.”Hal ChaitVice President , FIP Construction, Inc.
Photographed here in a Collaboration Area are members of ourRetail Lending and Community Development teams.Just as you can imagine, it took a village.A special shout out goes to our head honchoes FIPWith input from SeniorManagement, various committees,contractors, and our employees,we transformed the building intoa sustainable, efficient, state-ofthe-art masterpiece!Construction, WB Mason, and Perkins Eastman, along withEngineering partner, BVH; Audio Visual Partner, Vision Point;Security partner, ISG; and the dozens upon dozens of other localcontractors and partners!! We found the best partners in thebusiness and could not be happier with the outcome.And we’d be remiss if we didn’t mention Liberty’s leaders – ourFacilities, Technology and Operational Risk Teams –, too, fortheir tremendous efforts, attention to detail, expertise andsupport on this gigantic undertaking and accomplishment!Photographed here in the Cafeteria are members of our BusinessSolutions, Retail Banking, and Operational Risk teams.245 Long Hill Road is impressive, to say the least, and it speaksvolumes about our commitment to Middletown, the surroundingcommunities, our customers and employees.Members of Liberty Bank’s Technology Team in a server room at ournew Corporate Headquarters.
In Liberty Square at our new Corporate Headquarters, newPresident and CEO David W. Glidden shared his vision withteammates at our Town Hall Meeting in March 2019.What the hype is all about; Our beautiful facility has:Fitness center, cafeteria andAn outdoor generator with fullSustainable, ecological designwellness roomsbackup power to run 100% offeatures up to par with the latestthis facilityConnecticut energy codes andAdjustable height desks forevery employeeHigh-efficiency access control,Energy efficient, first-rate interiorclimate control & lighting systemsA state of the art heating andcooling system with highefficiency, variable air volumeand digital controlsalarm and surveillance under oneoperating systemMore conference rooms than westandards (plumbing, electrical,roofing, and HVAC plansDouble panel tinted glass &shading fins to divert sundreamed of, 16 to be exact, in allSpecially designated collaborationshapes and sizesareas for casual meetings,Electric vehicle charging stationsbrainstorming or quick crossfunctional check-ins; .and more!“ The transformation of our new Corporate Headquarters was a collaborative effort, and weare thankful for every partnership! From start to finish, the project was well-thought-out.When we first stepped foot on campus in 2016, we saw an abandoned building that neededa full restoration. We gutted the place, donated its furniture to local charities, started ourintensive design process, and finally turned 245 Long Hill Road into a stunning environmentdesigned for our employees. I am proud and honored to be part of this team!”Melinda St. JohnLiberty Bank Project Manager
GIVINGIN LEAPSANDBOUNDSL I B E R T Y B A N K F OU N DAT IONAs far as Liberty Bank Foundation is concerned,there are two types of giving. The funding ofgrants (which anyone with pockets can do). Andthen the more personal kind – the giving of timeand expertise to help solve community problemsthat no one organization could on its own.Don’t get us wrong. We exist to provide financial support toour community partners. It’s the lifeblood that keeps theirvital work in motion. Our grants hit a record high of 906,494in 2018. And our endowment received a 7.9 million gift fromLiberty Bank, which we expect will put our giving over the 1million mark soon.Photo Above: Posing in front of Liberty’s history wall at our newCorporate Headquarters, Ethel Higgins (r) is executive director ofSaint Vincent DePaul Middletown, a grantee of the Liberty BankFoundation since the foundation’s inception in 1997. You’ll also findLiberty employees volunteering in Saint Vincent’s soup kitchen eachmonth. Ethel is photographed with Foundation Executive Director, SueMurphy. Photo Below: Liberty Bankers in our Central South Marketvolunteering for Habitat for Humanity.
This photo was takenat Hygienic Art in NewLondon, a longtime granteeof our Foundation. HygienicArt is a youth developmentorganization that engagesmiddle and high schoolstudents through writingand photography.Yet, one thing we’ve learned over the years is that to be a morepowerful change agent, we need to take the lead in bringingcommunity stakeholders together to find solutions for thecommon good.For example, nonprofits now face unprecedented challenges – theprofile of individual givers is shifting, many experienced executivedirectors are retiring, and governmental funding is waning – while atthe same time demand for services continues to rise.In response, we helped to assemble nine Southeastern Connecticutfunders to create the Institute for Nonprofit Excellence, offeringfree workshops and consulting grants to nonprofits looking tobuild their capacity. The partners created a 60,000 pool for thepurpose, and have already calendared programming on advocacy,fundraising, legacy giving, communications and marketing, andboard governance, as well as diversity, equity, and inclusion.Another cause requiring collective action is early childhoodeducation. When you realize that 90 percent of a child’s brain isformed by age two, it’s obvious that learning for the state’s youngestresidents is imperative. Reaching children at their youngestultimately benefits them, their families, and the state’s economy—but too many parents can’t afford quality care.For the last 10 years, Liberty Bank Foundation and 16 otherorganizations have partnered in the Early Childhood FundersCollaborative to build better systems for young children. We speakto government as the collectiv
2018 ANNUAL REPORT BUILDING MOVING GROWING. CEO LETTER A year unlike any other 2018 was a year to remember at Liberty! Epic on many levels, last year . checking accounts and over 3,000 new business checking accounts! In 2018, we implemented the branch pod design in our Newington, Glastonbury, and North Haven branches. This
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