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Liberty Bell Bank

Cherry Hill, NJ · Cert 57524

FDIC · 3 branches

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Bell Bank

Cherry Hill, NJ · Cert 57524

FDIC · 3 branches

Q4 2017

$152.5MAssets
$124.8MLoans
$141.4MDeposits
$10.0MEquity
Loan mix
86%RE $90.0M14%C&I $14.2M0%Consumer $0.0MQ4 2016Q4 2017
Deposit mix
84%Interest-bearing $118.4M16%Noninterest $23.0MQ4 2016Q4 2017

NIM

4.01%Q4 ’154.20%Q4 ’164.51%Q4 ’17+4%+8%

Non-interest income vs. expense

3.51%Q4 ’153.54%Q4 ’163.52%Q4 ’17+2%+0%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2017 SOD (annual) · 0.0% share · #70 of 123 inst. · $0.1B of $452.7B

1.0% Burlington
0.3% Camden

Executive Summary

  • Earnings: ROA of 0.18%, up 5 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 1.59% of loans (+159 bps YoY), with net charge-offs at 0.38%.
  • Capital: tier 1 leverage ratio of 6.80%, up 6 bps from a year ago.
  • Funding: loans stand at 88.29% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.18%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+29 bps YoY

Efficiency Ratio (YTD, annualized)

88.50%-695 bps YoY

Tier 1 Leverage Ratio

6.80%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.13%0.28%0.06%0.16%0.18%+5 bps
Return on Equity2.08%4.32%0.87%2.42%2.75%+68 bps
Net Interest Margin3.58%3.73%3.78%3.81%3.88%+29 bps
Efficiency Ratio95.45%89.35%87.91%88.22%88.50%-695 bps
Non-Interest Burden3.42%3.32%3.31%3.35%3.42%0 bps
Growth
Asset Growth (YoY)-1.21%-2.31%-0.96%1.71%1.98%+319 bps
Loan Growth (YoY)7.68%10.29%13.08%6.17%3.41%-427 bps
Deposit Growth (YoY)-1.43%-2.49%-3.28%2.07%3.85%+527 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.36%1.47%1.38%1.59%+159 bps
Net Charge-Offs / Loans0.20%0.35%0.50%0.43%0.38%+18 bps
Allowance / Loans1.04%1.00%1.01%0.97%0.97%-7 bps
Allowance Coverage of NPLsn/a0.7x0.7x0.7x0.6xn/a
Capital
Tier 1 Leverage Ratio6.73%6.59%6.64%6.74%6.80%+6 bps
Total Risk-Based Capital10.38%10.37%10.16%10.47%10.43%+5 bps
Equity / Assets6.51%6.60%6.69%6.78%6.58%+8 bps
Liquidity & Funding
Loans / Deposits88.66%88.78%95.62%92.25%88.29%-37 bps
Liquid Assets / Assets9.11%8.81%4.79%6.20%9.39%+29 bps
CRE / Total Capitaln/an/an/an/an/an/an/a