Liverpool Community Bank in Liverpool, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Liverpool Community Bank in Liverpool, Pennsylvania (PA)
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Liverpool Community Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    04918Liverpool Community Bank104 N. Front St., Liverpool, PA 17045October 16, 1906Full Service Brick and Mortar

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