Liberty Bell Bank in Marlton, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Liberty Bell Bank in Marlton, New Jersey (NJ)
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Liberty Bell Bank - Overview

  • General
  • FDIC Certificate #: 57524
    Status: Active
    Federal Reserve ID: 3205253
    Date Established: August 06, 2003
    WWW: http://www.libertybellbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 364861
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 06, 2003
    Last Structure Change Effective Date: August 18, 2010
    Last Structure Change Process Date: September 28, 2010
    Last Data Update: September 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 145 North Maple Avenue, Marlton, NJ 8053
    County: Burlington
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Jamesburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Camden, NJ (#15804)
  • Financial Summary
  • Total assets: $172.9 mil
    Equity capital: $14.4 mil
    Deposits held in domestic offices: $150.6 mil
    Return on assets (ROA): 0.22% ($0.4 mil)
    Quarterly return on assets: 0.32% ($0.6 mil)
    Return on Equity (ROE): 2.67% ($0.4 mil)
    Quarterly return on equity: 3.81% ($0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.24% ($415.0 mil)
    Quarterly Pretax return on assets: 0.40% ($691.6 mil)

2000 - 2011 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, 2011)

  • Dollar figures in thousands
  • 37Total employees (full-time equivalent)
  • $172,905Total assets
  • $17,575Cash and due from depository institutions
  • $15,652Interest-bearing balances
  • $13,176Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $131,861Net loans & leases
  • $1,351Loan loss allowance
  • $0Trading account assets
  • $3,583Bank premises and fixed assets
  • $4,939Other real estate owned
  • $0Goodwill and other intangibles
  • $172,905Life insurance assets
  • $1,771All other assets
  • $158,490Total liabilities and capital
  • $150,574Total liabilities
  • $136,935Total deposits
  • $150,574Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,500Trading liabilities
  • $0Other borrowed funds
  • $416Subordinated debt
  • $14,415All other liabilities
  • $14,415Total equity capital
  • $14,415Total bank equity capital
  • $0Perpetual preferred stock
  • $15,074Common stock
  • $6,398Surplus
  • $-7,057Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,740Income earned, not collected on loans
  • $70Earning assets
  • $507Long-term assets (5+ years)
  • $160,689Average Assets, year-to-date
  • $28,709Average Assets, quarterly
  • $172,865Volatile liabilities
  • $171,045Insider loans
  • $137,558FHLB advances
  • $170,475Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,215Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,231Restructured Loans and leases
  • $2,613Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,976Total interest income
  • $1,969Total interest expense
  • $6,007Net interest income
  • $390Provision for loan and lease losses
  • $109Total noninterest income
  • $0Fiduciary activities
  • $140Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$31Additional noninterest income
  • $5,614Total noninterest expense
  • $2,660Salaries and employee benefits
  • $1,314Premises and equipment expense
  • $1,640Additional noninterest expense
  • $112Pre-tax net operating income
  • $298Securities gains (losses)
  • $35Applicable income taxes
  • $375Income before extraordinary items
  • $0Extraordinary gains - net
  • $375Net income attributable to bank
  • $0Net charge-offs
  • $375Cash dividends
  • $819Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.68%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 0.06%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.24%Pretax return on assets
  • 2.67%Return on equity (ROE)
  • 2.67%Retained earnings to average equity (YTD only)
  • 0.61%Net charge-offs to loans
  • 47.62%Credit loss provision to net charge-offs
  • 0.61%Efficiency ratio
  • 91,792Assets per employee
  • 4.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 20.04%Noncurrent assets plus other real estate owned to assets
  • 6.75%Noncurrent loans to loans
  • 5.06%Net loans and leases to deposits
  • 87.57%Net loans and leases to core deposits
  • 94.95%Equity capital to assets
  • 8.34%Core capital (leverage) ratio
  • 8.34%Tier 1 risk-based capital ratio
  • 10.33%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $172,865Average earning assets
  • $14,047Average equity
  • $163,137Average loans

List of branches

  • 4 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0364861Liberty Bell Bank145 North Maple Avenue, Marlton, NJ 8053August 06, 2003Full Service Brick and Mortar
    1439243Moorestown Branch227 West Camden Avenue, Moorestown, NJ 8057November 29, 2004Full Service Brick and Mortar
    2445573Evesham Branch145 North Maple Avenue, Evesham, NJ 8053August 01, 2005Full Service Brick and Mortar
    3488171Mount Laurel Branch860 Union Mill Road, Mount Laurel, NJ 8054Febuary 24, 2009Full Service Brick and Mortar

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