Liberty Bell Bank

2099 Route 70 East
Cherry Hill, NJ 08003
(856)-489-8401
www.libertybellbank.com

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Liberty Bell Bank is headquartered in Marlton and is the 87^th largest bank in the state of New Jersey. It is also the 3,462^nd largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 35 employees at 4 locations. Liberty Bell Bank has a 2-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Liberty Bell Bank Checking Account Rates

Apy	Min	Max	Product
1.50%	-	$10k	Business Owners Advantage
1.00%	-	$5k	E-Statement Checking
0.15%	-	-	Interest Checking

Liberty Bell Bank Savings Account Rates

	Apy	Min	Max	Product
	0.20%	-	-	Freedom Statement Savings

Liberty Bell Bank Money Market Rates

Apy	Min	Max	Product
0.75%	$500k	-	Money Market Account
0.75%	$500k	-	Business Money Market Account

Liberty Bell Bank CD Rates

Apy	Min	Max	Product
1.40%	$500	-	60 Month CD
1.25%	$500	-	48 Month CD
1.15%	$500	-	36 Month CD
0.99%	$500	-	30 Month CD
0.94%	$500	-	24 Month CD
0.70%	$500	-	18 Month CD
0.65%	$500	-	12 Month CD
0.40%	$500	-	6 Month CD

Liberty Bell Bank IRA Rates

Apy	Min	Max	Product
1.40%	$500	-	60 Month IRA
1.40%	$500	-	60 Month Roth IRA
1.25%	$500	-	48 Month IRA
1.25%	$500	-	48 Month Roth IRA
1.15%	$500	-	36 Month IRA
1.15%	$500	-	36 Month Roth IRA
0.99%	$500	-	30 Month IRA
0.99%	$500	-	30 Month Roth IRA
0.94%	$500	-	24 Month IRA
0.94%	$500	-	24 Month Roth IRA
0.70%	$500	-	18 Month IRA
0.70%	$500	-	18 Month Roth IRA
0.65%	$500	-	12 Month IRA
0.65%	$500	-	12 Month Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Liberty Bell Bank
FDIC Certificate #	57524
BankRate Report	View
Year Established	2003
Employees	35
Primary Regulator	FDIC
Assets and Liabilities
Assets	$175.14 million
Loans	$131.39 million
Deposits	$153.01 million
Equity Capital	$14.13 million
Loan Loss Allowance	$1.41 million
Unbacked Noncurrent Loans	$6.72 million
Real Estate Owned	$5.50 million
Historic Data - March 2011
Assets	$178.36 million
Equity Capital	$13.90 million
Loan Loss Allowance	$1.41 million
Unbacked Noncurrent Loans	$10.78 million
Profit Margin - Quarterly
Net Interest Margin	3.68%
Return on Assets	0.08%
Return on Equity	0.99%
Interest Income	$1.95 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Liberty Bell Bank had $12.22 million in non-current loans and owned real-estate with $15.54 million in equity and loan loss allowances on hand to cover it. This gives Liberty Bell Bank a Texas Ratio of 78.62% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Liberty Bell Bank held steady from 69.97% as of March 31, 2011 to 78.62% as of March 31, 2012, resulting in a negative change of 12.36%. This indicates that the balance sheet and financial strength for Liberty Bell Bank has held steady in recent periods.
Deposit Growth
In the past year, Liberty Bell Bank has decreased its total deposits by -$3.61 million, resulting in -2.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Liberty Bell Bank has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Liberty Bell Bank has $175.14 million in assets with $15.54 million in equity, resulting in a capitalization level of 8.88%, which is average.

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