FDIC 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
Location
Address: 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 Changes
Name Change
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial Summary
Total 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
13Total employees (full-time equivalent)
$42,546Total assets
$2,707Cash and due from depository institutions
$1,255Interest-bearing balances
$6,194Securities
$0Federal funds sold & reverse repurchase agreements
$32,333Net loans & leases
$471Loan loss allowance
$0Trading account assets
$151Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$42,546Life insurance assets
$1,161All other assets
$35,428Total liabilities and capital
$35,038Total liabilities
$30,369Total deposits
$35,038Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$390Subordinated debt
$7,118All other liabilities
$7,118Total equity capital
$7,118Total bank equity capital
$0Perpetual preferred stock
$31Common stock
$154Surplus
$6,933Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$618Income earned, not collected on loans
$0Earning assets
$159Long-term assets (5+ years)
$39,782Average Assets, year-to-date
$25,131Average Assets, quarterly
$43,589Volatile liabilities
$42,613Insider loans
$23,770FHLB advances
$42,701Loans and leases held for sale
$533Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,093Tier 2 risk-based capital
$0Total risk weighted assets
$533Total unused commitments
$950Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,247Total interest income
$438Total interest expense
$1,809Net interest income
$27Provision for loan and lease losses
$273Total noninterest income
$0Fiduciary activities
$130Service charges on deposit accounts
$0Trading account gains & fees
$143Additional noninterest income
$1,078Total noninterest expense
$634Salaries and employee benefits
$86Premises and equipment expense
$358Additional noninterest expense
$977Pre-tax net operating income
$0Securities gains (losses)
$305Applicable income taxes
$672Income before extraordinary items
$0Extraordinary gains - net
$672Net income attributable to bank
$0Net charge-offs
$672Cash dividends
-$3Sale, conversion, retirement of capital stock, net
$74Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.69%Yield on earning assets
1.11%Cost of funding earning assets
4.58%Net interest margin
0.69%Noninterest income to earning assets
2.73%Noninterest expense to earning assets
1.54%Net operating income to assets
1.54%Return on assets (ROA)
2.24%Pretax return on assets
9.89%Return on equity (ROE)
8.80%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-900.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
51,777Assets per employee
3.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
11.01%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
76.21%Noncurrent assets plus other real estate owned to assets
1.45%Noncurrent loans to loans
1.88%Net loans and leases to deposits
92.28%Net loans and leases to core deposits
96.42%Equity capital to assets
16.73%Core capital (leverage) ratio
16.61%Tier 1 risk-based capital ratio
29.84%Total risk-based capital ratio
Memoranda
$31Average assets
$43,589Average earning assets
$6,798Average equity
$39,506Average loans
List of branches
1 Pennsylvania Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
4918
Liverpool Community Bank
104 N. Front St., Liverpool, PA 17045
October 16, 1906
Full Service Brick and Mortar
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