First Liberty Bank & Trust in Jermyn, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 11, 2001

  • First Liberty Bank & Trust in Jermyn, Pennsylvania (PA)
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First Liberty Bank & Trust - Overview

  • General
  • FDIC Certificate #: 7537
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Bank, National Association (#6989)
    Federal Reserve ID: 731313
    Date Established: March 14, 1902
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 11 (Interstate: No)
    FDIC's unique #: 4892
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 11, 2001
    Last Structure Change Process Date: June 07, 2001
    Last Data Update: June 07, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 645 Washington Avenue, Jermyn, PA 18433
    County: Lackawanna
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Scranton--Wilkes-Barre--Hazleton, PA (#7560)
    Core Based Statistical Area (CBSA): Scranton-Wilkes-Barre, PA (#42540)
    CBSA Metro Statistical Area: Scranton-Wilkes-Barre, PA (#42540)
  • Financial Summary
  • Total assets: $643.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2000)

  • Dollar figures in thousands
  • 211Total employees (full-time equivalent)
  • $627,880Total assets
  • $17,151Cash and due from depository institutions
  • $601Interest-bearing balances
  • $167,432Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $411,730Net loans & leases
  • $5,421Loan loss allowance
  • $0Trading account assets
  • $13,921Bank premises and fixed assets
  • $387Other real estate owned
  • $4,285Goodwill and other intangibles
  • $0Life insurance assets
  • $12,974All other assets
  • $627,880Total liabilities and capital
  • $565,643Total liabilities
  • $491,008Total deposits
  • $432,609Interest-bearing deposits
  • $491,008Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $10,730Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $60,466Other borrowed funds
  • $0Subordinated debt
  • $3,439All other liabilities
  • $62,237Total equity capital
  • $62,237Total bank equity capital
  • $62,237Perpetual preferred stock
  • $0Common stock
  • $1,303Surplus
  • $6,975Undivided profits
  • Memoranda
  • $53,959Noncurrent loans and leases
  • $28,959Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,325Earning assets
  • $0Long-term assets (5+ years)
  • $1,882Average Assets, year-to-date
  • $579,763Average Assets, quarterly
  • $326,836Volatile liabilities
  • $641,916Insider loans
  • $637,191FHLB advances
  • $65,333Loans and leases held for sale
  • $14,649Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $28,959Total unused commitments
  • $0Restructured Loans and leases
  • $4,945Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $44,215Total interest income
  • $25,128Total interest expense
  • $19,087Net interest income
  • $540Provision for loan and lease losses
  • $2,078Total noninterest income
  • $702Fiduciary activities
  • $704Service charges on deposit accounts
  • $0Trading account gains & fees
  • $672Additional noninterest income
  • $14,791Total noninterest expense
  • $7,742Salaries and employee benefits
  • $2,664Premises and equipment expense
  • $4,385Additional noninterest expense
  • $5,834Pre-tax net operating income
  • $53Securities gains (losses)
  • $1,295Applicable income taxes
  • $4,592Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,592Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $226Sale, conversion, retirement of capital stock, net
  • $2,802Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.42%Yield on earning assets
  • 4.22%Cost of funding earning assets
  • 3.21%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.48%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 7.78%Return on equity (ROE)
  • 3.03%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 238.94%Credit loss provision to net charge-offs
  • 28.20%Efficiency ratio
  • 68,840Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.02%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 409.13%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.32%Net loans and leases to deposits
  • 83.85%Net loans and leases to core deposits
  • 94.32%Equity capital to assets
  • 9.91%Core capital (leverage) ratio
  • 9.28%Tier 1 risk-based capital ratio
  • 14.94%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $641,916Average earning assets
  • $59,009Average equity
  • $595,503Average loans

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