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First National Bank of Liverpool, The

Liverpool, PA · Cert 7582

FDIC · 1 branch

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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

First National Bank of Liverpool, The

Liverpool, PA · Cert 7582

FDIC · 1 branch

Q1 2018

$46.4MAssets
$32.3MLoans
$36.1MDeposits
$9.8MEquity
Loan mix
89%RE $28.8M6%C&I $2.0M5%Consumer $1.5MQ1 2017Q1 2018
Deposit mix
80%Interest-bearing $28.9M20%Noninterest $7.2MQ1 2017Q1 2018

NIM

4.35%Q1 ’164.01%Q1 ’174.36%Q1 ’18-8%+10%

Non-interest income vs. expense

3.00%Q1 ’162.44%Q1 ’172.48%Q1 ’18-17%+3%

Market Position · Harrisburg-Carlisle, PA · 2017 SOD (annual) · 0.3% share · #22 of 26 inst. · $0.0B of $14.2B

Executive Summary

  • Earnings: ROA of 1.53%, up 52 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.19% of loans (-86 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 21.41%, up 106 bps from a year ago.
  • Funding: loans stand at 89.37% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

1.53%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+37 bps YoY

Efficiency Ratio (YTD, annualized)

58.04%-413 bps YoY

Tier 1 Leverage Ratio

21.41%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets1.01%1.13%1.11%0.89%1.53%+52 bps
Return on Equity5.07%5.64%5.45%4.37%7.26%+219 bps
Net Interest Margin3.61%3.65%3.77%3.89%3.98%+37 bps
Efficiency Ratio62.17%60.09%59.93%62.00%58.04%-413 bps
Non-Interest Burden2.13%2.07%2.14%2.29%2.19%+6 bps
Growth
Asset Growth (YoY)6.56%5.39%2.86%-2.05%-3.92%-1,048 bps
Loan Growth (YoY)-3.38%-3.22%-2.44%-0.12%-1.63%+175 bps
Deposit Growth (YoY)7.20%5.62%2.47%-3.53%-5.70%-1,289 bps
Asset Quality
Nonperforming Loans / Loans1.05%1.92%0.92%0.15%0.19%-86 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%0.00%0 bps
Allowance / Loans1.24%1.21%1.21%1.21%1.22%-3 bps
Allowance Coverage of NPLs1.2x0.6x1.3x8.2x6.3x+5.1x
Capital
Tier 1 Leverage Ratio20.35%20.33%20.60%21.05%21.41%+106 bps
Total Risk-Based Capital39.16%39.51%38.34%39.49%40.66%+150 bps
Equity / Assets19.72%20.52%20.96%20.98%21.13%+141 bps
Liquidity & Funding
Loans / Deposits85.68%88.65%92.86%92.41%89.37%+369 bps
Liquid Assets / Assets12.23%13.68%8.87%9.82%11.29%-94 bps
CRE / Total Capitaln/an/an/an/an/an/an/a