Affinity Bank of Pennsylvania in Wyomissing, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Affinity Bank of Pennsylvania in Wyomissing, Pennsylvania (PA)
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Affinity Bank of Pennsylvania - Overview

  • General
  • FDIC Certificate #: 57478
    Status: Active
    Federal Reserve ID: 3179729
    Bank Holding Company (Regulatory Top Holder): Affinity Bancorp, Inc. (RSSDID: 3930386, Location: Wyomissing, PA)
    Date Established: April 11, 2003
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 364098
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: April 11, 2003
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1310 Broadcasting Road, Wyomissing, PA 19610
    County: Berks
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Reading, PA (#6680)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Reading, PA (#39740)
    CBSA Metro Statistical Area: Reading, PA (#39740)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $177.6 mil
    Equity capital: $12.3 mil
    Deposits held in domestic offices: $151.8 mil
    Return on assets (ROA): 0.03% ($0.1 mil)
    Quarterly return on assets: 0.39% ($0.7 mil)
    Return on Equity (ROE): 0.49% ($0.1 mil)
    Quarterly return on equity: 5.58% ($0.7 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.02% ($35.5 mil)
    Quarterly Pretax return on assets: 0.38% ($675.1 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
  • 36Total employees (full-time equivalent)
  • $177,646Total assets
  • $3,529Cash and due from depository institutions
  • $1,626Interest-bearing balances
  • $78,233Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $90,943Net loans & leases
  • $1,179Loan loss allowance
  • $0Trading account assets
  • $1,415Bank premises and fixed assets
  • $690Other real estate owned
  • $102Goodwill and other intangibles
  • $177,646Life insurance assets
  • $2,734All other assets
  • $165,336Total liabilities and capital
  • $151,804Total liabilities
  • $142,879Total deposits
  • $151,804Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,149Trading liabilities
  • $0Other borrowed funds
  • $383Subordinated debt
  • $12,310All other liabilities
  • $12,310Total equity capital
  • $12,310Total bank equity capital
  • $0Perpetual preferred stock
  • $1,970Common stock
  • $12,367Surplus
  • $-2,027Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,324Income earned, not collected on loans
  • $0Earning assets
  • $624Long-term assets (5+ years)
  • $170,802Average Assets, year-to-date
  • $64,545Average Assets, quarterly
  • $174,583Volatile liabilities
  • $178,648Insider loans
  • $93,298FHLB advances
  • $179,588Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,465Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,838Restructured Loans and leases
  • $4,531Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,002Total interest income
  • $2,072Total interest expense
  • $4,930Net interest income
  • $560Provision for loan and lease losses
  • $208Total noninterest income
  • $0Fiduciary activities
  • $85Service charges on deposit accounts
  • $0Trading account gains & fees
  • $123Additional noninterest income
  • $4,623Total noninterest expense
  • $2,111Salaries and employee benefits
  • $1,236Premises and equipment expense
  • $1,276Additional noninterest expense
  • -$45Pre-tax net operating income
  • $72Securities gains (losses)
  • -$32Applicable income taxes
  • $59Income before extraordinary items
  • $0Extraordinary gains - net
  • $59Net income attributable to bank
  • $0Net charge-offs
  • $59Cash dividends
  • $824Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.18%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 2.94%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • 0.03%Return on assets (ROA)
  • 0.02%Pretax return on assets
  • 0.49%Return on equity (ROE)
  • 0.49%Retained earnings to average equity (YTD only)
  • 0.90%Net charge-offs to loans
  • 67.96%Credit loss provision to net charge-offs
  • 0.63%Efficiency ratio
  • 89,140Assets per employee
  • 4.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 50.73%Noncurrent assets plus other real estate owned to assets
  • 1.70%Noncurrent loans to loans
  • 2.52%Net loans and leases to deposits
  • 59.91%Net loans and leases to core deposits
  • 62.50%Equity capital to assets
  • 6.93%Core capital (leverage) ratio
  • 6.38%Tier 1 risk-based capital ratio
  • 12.29%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $174,583Average earning assets
  • $12,029Average equity
  • $167,633Average loans

List of branches

  • 5 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0364098Affinity Bank Of Pennsylvania1310 Broadcasting Road, Wyomissing, PA 19610April 11, 2003Full Service Brick and Mortar
    1445223Reading Branch29 North Sixth Street, Reading, PA 19601October 06, 2005Full Service Brick and Mortar
    2422552Spring Township Branch3101 Shillington Road, Sinking Spring, PA 19608May 22, 2003Full Service Brick and Mortar
    3483154Muhlenberg Branch4200 N. 5th Street Highway, Temple, PA 19560October 17, 2008Full Service Brick and Mortar
    4500497Exeter Commons Branch4541 Perkiomen Avenue, Reading, PA 19606September 10, 2009Full Service Brick and Mortar

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