The Victory Bank in Limerick, Pennsylvania (PA)

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The Victory Bank
GeneralFDIC Certificate #: 58615
Status: Active
Federal Reserve ID: 3603961
Bank Holding Company (Regulatory Top Holder): Victory Bancorp, Inc, The (RSSDID: 3939286, Location: Limerick, PA)
Date Established: January 16, 2008
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 458392
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: January 16, 2008
Last Structure Change Effective Date: March 13, 2011
Last Structure Change Process Date: March 13, 2012
Last Data Update: March 13, 2012
Data Source Date: April 05, 2012
LocationAddress: 548 North Lewis Road, Limerick, PA 19468
County: Montgomery
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)
Financial SummaryTotal assets: $107.1 mil
Equity capital: $9.7 mil
Deposits held in domestic offices: $97.1 mil
Return on assets (ROA): 0.76% ($0.8 mil)
Quarterly return on assets: 1.66% ($1.8 mil)
Return on Equity (ROE): 8.47% ($0.8 mil)
Quarterly return on equity: 18.09% ($1.8 mil)
Net income: $0.7 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.55% ($589.0 mil)
Quarterly Pretax return on assets: 0.88% ($942.4 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)24
Total assets$107,089
Cash and due from depository institutions$4,626
Interest-bearing balances$2,633
Federal funds sold & reverse repurchase agreements$7,745
Net loans & leases$84,536
Loan loss allowance $1,078
Trading account assets$0
Bank premises and fixed assets$3,854
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,564
Life insurance assets$107,089
Total liabilities and capital$97,439
Total liabilities$97,077
Total deposits$83,542
Interest-bearing deposits$97,077
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $362
All other liabilities $9,650
Total equity capital$9,650
Total bank equity capital$9,650
Perpetual preferred stock$0
Common stock$1
Undivided profits $-4,863
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 $315
Earning assets $0
Long-term assets (5+ years) $288
Average Assets, year-to-date $98,678
Average Assets, quarterly $17,215
Volatile liabilities $96,075
Insider loans $103,394
FHLB advances $91,982
Loans and leases held for sale $103,384
Unused loan commitments $1,207
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $9,704
Total risk weighted assets $0
Total unused commitments $1,207
Restructured Loans and leases $19,631
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,681
Total interest expense $1,090
Net interest income $3,591
Provision for loan and lease losses $279
Total noninterest income $729
Fiduciary activities $0
Service charges on deposit accounts $126
Trading account gains & fees $0
Additional noninterest income $603
Total noninterest expense $3,514
Salaries and employee benefits $1,896
Premises and equipment expense $443
Additional noninterest expense $1,175
Pre-tax net operating income $527
Securities gains (losses) $0
Applicable income taxes -$200
Income before extraordinary items $727
Extraordinary gains - net $0
Net income attributable to bank $727
Net charge-offs $0
Cash dividends $727
Sale, conversion, retirement of capital stock, net $134
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.12%
Cost of funding earning assets 1.19%
Net interest margin 3.93%
Noninterest income to earning assets 0.80%
Noninterest expense to earning assets 3.84%
Net operating income to assets 0.76%
Return on assets (ROA) 0.76%
Pretax return on assets 0.55%
Return on equity (ROE) 8.47%
Retained earnings to average equity (YTD only) 8.47%
Net charge-offs to loans 0.17%
Credit loss provision to net charge-offs 208.21%
Efficiency ratio6.01%
Assets per employee$81,343
Cash dividends to net income (YTD only)4.46%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.26%
Noncurrent assets plus other real estate owned to assets 342.22%
Noncurrent loans to loans 0.29%
Net loans and leases to deposits0.37%
Net loans and leases to core deposits 87.08%
Equity capital to assets 94.90%
Core capital (leverage) ratio 9.01%
Tier 1 risk-based capital ratio 9.39%
Total risk-based capital ratio 10.55%
Average assets$12
Average earning assets$96,075
Average equity $8,581
Average loans $91,439
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2 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0458392The Victory Bank548 North Lewis Road, Limerick, PA 19468January 16, 2008Full Service Brick and Mortar
1477838Tri-County Messenger Service BranchMontgomery, Berks, And Chester Counties, Limerick, PA 19468June 17, 2008Limited Service Messenger
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