3rd Fed Bank in Newtown, Pennsylvania (PA), NJ
Overview, Financial Summary, Detailed Financial Reports, Branches


  • 3rd Fed Bank in Newtown, Pennsylvania (PA), NJ
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3rd Fed Bank - Overview

  • General
  • FDIC Certificate #: 29132
    Status: Active
    Federal Reserve ID: 777777
    Date Established: January 01, 1921
    WWW: http://www.thirdfedbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 15 (Domestic: 15, Interstate: Yes)
    OTS Docket #: 2966
    FDIC's unique #: 41966
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: March 23, 1935
    Last Structure Change Effective Date: January 30, 2012
    Last Structure Change Process Date: Febuary 14, 2012
    Last Data Update: Febuary 14, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 3 Penns Trail, Newtown, PA 18940
    County: Bucks
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • History of Changes
  • Name Change
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $682.4 mil
    Equity capital: $74.2 mil
    Deposits held in domestic offices: $555.4 mil
    Return on assets (ROA): 0.64% ($4.4 mil)
    Quarterly return on assets: 0.95% ($6.5 mil)
    Return on Equity (ROE): 6.10% ($4.5 mil)
    Quarterly return on equity: 8.78% ($6.5 mil)
    Net income: $4.4 mil
    Quarterly Net income: $1.6 mil
    Pretax return on assets: 0.83% ($5,663.9 mil)
    Quarterly Pretax return on assets: 1.27% ($8,666.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 168Total employees (full-time equivalent)
  • $682,401Total assets
  • $14,928Cash and due from depository institutions
  • $10,430Interest-bearing balances
  • $117,091Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $494,637Net loans & leases
  • $5,797Loan loss allowance
  • $0Trading account assets
  • $6,559Bank premises and fixed assets
  • $11,731Other real estate owned
  • $5,087Goodwill and other intangibles
  • $682,401Life insurance assets
  • $32,368All other assets
  • $608,187Total liabilities and capital
  • $555,375Total liabilities
  • $510,971Total deposits
  • $555,375Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $48,259Trading liabilities
  • $0Other borrowed funds
  • $4,553Subordinated debt
  • $74,214All other liabilities
  • $74,214Total equity capital
  • $74,214Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $32,007Surplus
  • $42,206Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,239Income earned, not collected on loans
  • $0Earning assets
  • $2,611Long-term assets (5+ years)
  • $622,158Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $689,461Volatile liabilities
  • $688,900Insider loans
  • $399,412FHLB advances
  • $676,947Loans and leases held for sale
  • $18,506Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $69,144Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $67,435Restructured Loans and leases
  • $618Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $31,491Total interest income
  • $7,431Total interest expense
  • $24,060Net interest income
  • $3,728Provision for loan and lease losses
  • $2,540Total noninterest income
  • $0Fiduciary activities
  • $173Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,367Additional noninterest income
  • $17,919Total noninterest expense
  • $10,327Salaries and employee benefits
  • $3,083Premises and equipment expense
  • $4,509Additional noninterest expense
  • $4,953Pre-tax net operating income
  • $760Securities gains (losses)
  • $1,274Applicable income taxes
  • $4,439Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,439Net income attributable to bank
  • $0Net charge-offs
  • $4,439Cash dividends
  • $3,882Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 6.10%Return on equity (ROE)
  • 4.59%Retained earnings to average equity (YTD only)
  • 0.77%Net charge-offs to loans
  • 96.03%Credit loss provision to net charge-offs
  • 2.24%Efficiency ratio
  • 67,365Assets per employee
  • 4.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.78%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 56.62%Noncurrent assets plus other real estate owned to assets
  • 3.22%Noncurrent loans to loans
  • 2.05%Net loans and leases to deposits
  • 89.06%Net loans and leases to core deposits
  • 89.69%Equity capital to assets
  • 10.88%Core capital (leverage) ratio
  • 10.21%Tier 1 risk-based capital ratio
  • 17.31%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $689,461Average earning assets
  • $72,798Average equity
  • $629,503Average loans

List of branches

  • 2 New Jersey Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    111283106Ewing Branch2075 Pennington Road, Ewing, NJ 8618January 01, 1912Full Service Brick and Mortar
    112283112Hamilton Branch1850 Route 33, Hamilton, NJ 8690June 30, 1985Full Service Brick and Mortar
  • 13 Pennsylvania Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0419663rd Fed Bank3 Penns Trail, Newtown, PA 18940January 01, 1921Full Service Brick and Mortar
    1273097Mayfair Branch6633 Roosevelt Blvd., Philadelphia, PA 19149January 01, 1921Full Service Brick and Mortar
    2273098Bridesburg Branch2601 Orthodox St, Philadelphia, PA 19137January 01, 1921Full Service Brick and Mortar
    101273099Fishtown Branch2330 E York Street, Philadelphia, PA 19125January 01, 1921Full Service Brick and Mortar
    102273100Feasterville Branch1201 Buck Road, Feasterville Trevose, PA 19053June 30, 1987Full Service Brick and Mortar
    103273101Woodhaven Branch4014 Woodhaven Rd, Philadelphia, PA 19154June 30, 1988Full Service Brick and Mortar
    10643357Doylestown Branch60 N Main Street, Doylestown, PA 18901January 01, 1906Full Service Brick and Mortar
    107280671Cross Keys Branch834 N. Easton Hwy, Doylestown, PA 18902January 01, 1906Full Service Brick and Mortar
    109280674New Britain Branch600 Town Center, New Britain, PA 18901June 30, 1989Full Service Brick and Mortar
    110273103Frankford Branch4625 Frankford Avenue, Philadelphia, PA 19124March 31, 1992Full Service Brick and Mortar
    115442946Northern Liberties Branch905 North Second Street, Philadelphia, PA 19123April 07, 2003Full Service Brick and Mortar
    116495178Girard Branch136 W Girard Ave, Philadelphia, PA 19123October 24, 2005Full Service Brick and Mortar
    117522048Newtown Branch950 Newtown-Yardley Road, Newtown, PA 18940June 30, 2000Full Service Brick and Mortar

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