Liverpool Community Bank in Liverpool, Pennsylvania (PA)



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Liverpool Community Bank routing number info

Table of contents:
Liverpool Community Bank
GeneralFDIC Certificate #: 7582
Status: Active
Federal Reserve ID: 440110
Bank Holding Company (Regulatory Top Holder): Juniata Valley Financial Corp. (RSSDID: 1117512, Location: Mifflintown, PA)
Date Established: October 16, 1906
WWW: http://www.fnbliverpool.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 14142
FDIC's unique #: 4918
Numeric code: 13
Regulator: FED
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: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 23, 2011
Last Structure Change Process Date: January 05, 2012
Last Data Update: January 05, 2012
Data Source Date: April 05, 2012
LocationAddress: 104 N. Front St., Liverpool, PA 17045
County: Perry
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Harrisburg-Lebanon-Carlisle, PA (#3240)
Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
Core Based Statistical Area (CBSA): Harrisburg-Carlisle, PA (#25420)
CBSA Metro Statistical Area: Harrisburg-Carlisle, PA (#25420)
History of ChangesName Change
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial SummaryTotal assets: $42.5 mil
Equity capital: $7.1 mil
Deposits held in domestic offices: $35.0 mil
Return on assets (ROA): 1.54% ($0.7 mil)
Quarterly return on assets: 1.58% ($0.7 mil)
Return on Equity (ROE): 9.89% ($0.7 mil)
Quarterly return on equity: 9.55% ($0.7 mil)
Net income: $0.7 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 2.24% ($953.0 mil)
Quarterly Pretax return on assets: 2.15% ($914.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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)
Total employees (full-time equivalent)13
Total assets$42,546
Cash and due from depository institutions$2,707
Interest-bearing balances$1,255
Securities$6,194
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$32,333
Loan loss allowance $471
Trading account assets$0
Bank premises and fixed assets$151
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,161
Life insurance assets$42,546
Total liabilities and capital$35,428
Total liabilities$35,038
Total deposits$30,369
Interest-bearing deposits$35,038
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $390
All other liabilities $7,118
Total equity capital$7,118
Total bank equity capital$7,118
Perpetual preferred stock$0
Common stock$31
Surplus$154
Undivided profits $6,933
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $618
Earning assets $0
Long-term assets (5+ years) $159
Average Assets, year-to-date $39,782
Average Assets, quarterly $25,131
Volatile liabilities $43,589
Insider loans $42,613
FHLB advances $23,770
Loans and leases held for sale $42,701
Unused loan commitments $533
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,093
Total risk weighted assets $0
Total unused commitments $533
Restructured Loans and leases $950
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,247
Total interest expense $438
Net interest income $1,809
Provision for loan and lease losses $27
Total noninterest income $273
Fiduciary activities $0
Service charges on deposit accounts $130
Trading account gains & fees $0
Additional noninterest income $143
Total noninterest expense $1,078
Salaries and employee benefits $634
Premises and equipment expense $86
Additional noninterest expense $358
Pre-tax net operating income $977
Securities gains (losses) $0
Applicable income taxes $305
Income before extraordinary items $672
Extraordinary gains - net $0
Net income attributable to bank $672
Net charge-offs $0
Cash dividends $672
Sale, conversion, retirement of capital stock, net -$3
Net operating income $74
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.69%
Cost of funding earning assets 1.11%
Net interest margin 4.58%
Noninterest income to earning assets 0.69%
Noninterest expense to earning assets 2.73%
Net operating income to assets 1.54%
Return on assets (ROA) 1.54%
Pretax return on assets 2.24%
Return on equity (ROE) 9.89%
Retained earnings to average equity (YTD only) 8.80%
Net charge-offs to loans -0.01%
Credit loss provision to net charge-offs -900.00%
Efficiency ratio0.00%
Assets per employee$51,777
Cash dividends to net income (YTD only)3.27%
Condition Ratios (%)
Loss allowance to loans 11.01%
Loss allowance to noncurrent loans 1.44%
Noncurrent assets plus other real estate owned to assets 76.21%
Noncurrent loans to loans 1.45%
Net loans and leases to deposits1.88%
Net loans and leases to core deposits 92.28%
Equity capital to assets 96.42%
Core capital (leverage) ratio 16.73%
Tier 1 risk-based capital ratio 16.61%
Total risk-based capital ratio 29.84%
Memoranda
Average assets$31
Average earning assets$43,589
Average equity $6,798
Average loans $39,506
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1 Pennsylvania Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04918Liverpool Community Bank104 N. Front St., Liverpool, PA 17045October 16, 1906Full Service Brick and Mortar
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