The First National Bank of Liverpool

The First National Bank of Liverpool is headquartered in Liverpool and is the 194^th largest bank in the state of Pennsylvania. It is also the 6,525^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 14 employees at 1 location. The First National Bank of Liverpool has a 5-star health rating.

The First National Bank of Liverpool Checking Account Rates

The First National Bank of Liverpool Savings Account Rates

The First National Bank of Liverpool Money Market Rates

The First National Bank of Liverpool CD Rates

The First National Bank of Liverpool IRA Rates

Data for Q1 2012

Institution Statistics Liverpool Community Bank FDIC Certificate # 7582 BankRate Report View Year Established 1906 Employees 14 Primary Regulator FED Assets and Liabilities Assets $44.42 million Loans $32.27 million Deposits $36.81 million Equity Capital $7.22 million Loan Loss Allowance $468,000 Unbacked Noncurrent Loans $17,000 Historic Data - March 2011 Assets $44.65 million Equity Capital $6.63 million Loan Loss Allowance $451,000 Unbacked Noncurrent Loans $104,000 Profit Margin - Quarterly Net Interest Margin 4.49% Return on Assets 1.34% Return on Equity 8.14% Interest Income $548,000

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 The First National Bank of Liverpool had $17,000 in non-current loans and owned real-estate with $7.69 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Liverpool a Texas Ratio of 0.22% 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 The First National Bank of Liverpool decreased significantly from 1.47% as of March 31, 2011 to 0.22% as of March 31, 2012, resulting in a positive change of 84.94%.This indicates that the balance sheet and financial strength for The First National Bank of Liverpool has improved significantly in recent periods. Deposit Growth In the past year, The First National Bank of Liverpool has decreased its total deposits by $-801,000, resulting in -2.13% 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 The First National Bank of Liverpool 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. The First National Bank of Liverpool has $44.42 million in assets with $7.69 million in equity, resulting in a capitalization level of 17.32%, which is excellent.

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