Penn Liberty Bank

Penn Liberty Bank is headquartered in Wayne and is the 68^th largest bank in the state of Pennsylvania. It is also the 1,255^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 98 employees at 11 locations. Penn Liberty Bank's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Penn Liberty Bank Routing Number: 031918844

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Data for Q1 2012

Institution Statistics Penn Liberty Bank FDIC Certificate # 57844 BankRate Report View Year Established 2004 Employees 98 Primary Regulator FDIC Assets and Liabilities Assets $537.61 million Loans $419.44 million Deposits $465.80 million Equity Capital $56.28 million Loan Loss Allowance $5.96 million Unbacked Noncurrent Loans $2.45 million Real Estate Owned $1,000,000 Historic Data - March 2011 Assets $477.47 million Equity Capital $41.76 million Loan Loss Allowance $5.43 million Unbacked Noncurrent Loans $5.43 million Real Estate Owned $1.46 million Profit Margin - Quarterly Net Interest Margin 3.32% Return on Assets 0.36% Return on Equity 3.52% Interest Income $5.72 million

Institution Health Overall Score: 5 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 Penn Liberty Bank had $3.45 million in non-current loans and owned real-estate with $62.24 million in equity and loan loss allowances on hand to cover it. This gives Penn Liberty Bank a Texas Ratio of 5.55% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Penn Liberty Bank decreased significantly from 10.99% as of March 31, 2011 to 5.55% as of March 31, 2012, resulting in a positive change of 49.53%.This indicates that the balance sheet and financial strength for Penn Liberty Bank has improved significantly in recent periods. Deposit Growth In the past year, Penn Liberty Bank has increased its total deposits by $45.2 million, resulting in 10.75% 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 Penn Liberty Bank has shown is excellent. 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. Penn Liberty Bank has $537.61 million in assets with $62.24 million in equity, resulting in a capitalization level of 11.58%, which is above average.

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