Penn Liberty Bank in Wayne, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Penn Liberty Bank - Overview

  • General
  • FDIC Certificate #: 57844
    Status: Active
    Federal Reserve ID: 3277988
    Bank Holding Company (Regulatory Top Holder): Penn Liberty Financial Corp (RSSDID: 3277979, Location: Wayne, PA)
    Date Established: September 01, 2004
    WWW: http://www.pennlibertybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    FDIC's unique #: 428059
    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: September 01, 2004
    Last Structure Change Effective Date: March 10, 2009
    Last Structure Change Process Date: March 11, 2009
    Last Data Update: March 11, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 724 W Lancaster Ave Ste 210, Wayne, PA 19087
    County: Delaware
    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): 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: Philadelphia, PA (#37964)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $569.2 mil
    Equity capital: $55.9 mil
    Deposits held in domestic offices: $464.7 mil
    Return on assets (ROA): 1.08% ($6.1 mil)
    Quarterly return on assets: 2.73% ($15.5 mil)
    Return on Equity (ROE): 11.66% ($6.5 mil)
    Quarterly return on equity: 27.33% ($15.3 mil)
    Net income: $5.4 mil
    Quarterly Net income: $3.7 mil
    Pretax return on assets: 0.52% ($2,959.9 mil)
    Quarterly Pretax return on assets: 0.66% ($3,756.8 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
  • 95Total employees (full-time equivalent)
  • $569,214Total assets
  • $125,764Cash and due from depository institutions
  • $117,405Interest-bearing balances
  • $6,520Securities
  • $198Federal funds sold & reverse repurchase agreements
  • $418,886Net loans & leases
  • $5,893Loan loss allowance
  • $0Trading account assets
  • $8,692Bank premises and fixed assets
  • $1,428Other real estate owned
  • $0Goodwill and other intangibles
  • $569,214Life insurance assets
  • $7,726All other assets
  • $513,303Total liabilities and capital
  • $464,666Total liabilities
  • $386,037Total deposits
  • $464,666Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 40439.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $3,198Subordinated debt
  • $55,911All other liabilities
  • $55,911Total equity capital
  • $55,911Total bank equity capital
  • $0Perpetual preferred stock
  • $63Common stock
  • $62,714Surplus
  • $-6,866Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $653Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,397Income earned, not collected on loans
  • $1,827Earning assets
  • $1,862Long-term assets (5+ years)
  • $543,009Average Assets, year-to-date
  • $50,856Average Assets, quarterly
  • $502,711Volatile liabilities
  • $541,501Insider loans
  • $429,672FHLB advances
  • $532,208Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $55,492Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $95,973Restructured Loans and leases
  • $5,560Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,551Total interest income
  • $5,839Total interest expense
  • $16,712Net interest income
  • $1,176Provision for loan and lease losses
  • $2,097Total noninterest income
  • $0Fiduciary activities
  • $640Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,457Additional noninterest income
  • $14,995Total noninterest expense
  • $8,001Salaries and employee benefits
  • $2,973Premises and equipment expense
  • $4,021Additional noninterest expense
  • $2,638Pre-tax net operating income
  • $0Securities gains (losses)
  • -$2,806Applicable income taxes
  • $5,444Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,444Net income attributable to bank
  • $0Net charge-offs
  • $5,444Cash dividends
  • $731Sale, conversion, retirement of capital stock, net
  • $532Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.70%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.48%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 0.52%Pretax return on assets
  • 11.66%Return on equity (ROE)
  • 10.52%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 160.88%Credit loss provision to net charge-offs
  • 5.22%Efficiency ratio
  • 79,722Assets per employee
  • 5.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 9.77%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 134.02%Noncurrent assets plus other real estate owned to assets
  • 1.02%Noncurrent loans to loans
  • 1.04%Net loans and leases to deposits
  • 90.15%Net loans and leases to core deposits
  • 91.83%Equity capital to assets
  • 9.82%Core capital (leverage) ratio
  • 10.43%Tier 1 risk-based capital ratio
  • 12.91%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $502,711Average earning assets
  • $46,704Average equity
  • $479,863Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $107,191Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 175Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $107,191Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 10 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0428059Penn Liberty Bank724 W Lancaster Ave Ste 210, Wayne, PA 19087September 01, 2004Full Service Brick and Mortar
    1441802Blue Bell Branch472 Norristown Road, Blue Bell, PA 19422Febuary 01, 2005Full Service Brick and Mortar
    2449863Liberty Courier Service Branch353w. Lancaster Avenue, Wayne, PA 19087Febuary 09, 2006Limited Service Messenger
    3450435Malvern Branch Office199 East Lancaster Avenue, Malvern, PA 19355March 15, 2006Full Service Brick and Mortar
    4460557Chester Springgs210 Font Road, Uwchland, PA 19480January 26, 2007Full Service Brick and Mortar
    5473825Trooper Branch2724 Ridge Avenue, Trooper, PA 19403March 13, 2008Full Service Brick and Mortar
    6473826East Goshen Branch1301 Paoli Pike, West Chester, PA 19380March 13, 2008Full Service Brick and Mortar
    7481041Paoli Branch1 West Lancaster Avenue, Paoli, PA 19301September 02, 2008Full Service Brick and Mortar
    8481043Limerick Branch543 N. Lewis Road, Limerick, PA 19468August 10, 2008Full Service Brick and Mortar
    9522193Exton / Downingtown Branch654 W Lincoln Highway, Exton, PA 19341December 01, 2010Full Service Retail

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