Bucks County Bank in Doylestown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bucks County Bank in Doylestown, Pennsylvania (PA)
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Bucks County Bank - Overview

  • General
  • FDIC Certificate #: 57804
    Status: Active
    Federal Reserve ID: 3287503
    Date Established: August 16, 2004
    WWW: http://www.buckscountybank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 425732
    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: Commercial Lending Specialization
    Date of Deposit Insurance: August 16, 2004
    Last Structure Change Effective Date: July 26, 2007
    Last Structure Change Process Date: September 10, 2007
    Last Data Update: September 10, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 S Main Street, Doylestown, PA 18901
    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
  • Change in Location
  • Financial Summary
  • Total assets: $207.4 mil
    Equity capital: $17.6 mil
    Deposits held in domestic offices: $158.9 mil
    Return on assets (ROA): 0.09% ($0.2 mil)
    Quarterly return on assets: 0.06% ($0.1 mil)
    Return on Equity (ROE): 1.14% ($0.2 mil)
    Quarterly return on equity: 0.73% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.09% ($186.7 mil)
    Quarterly Pretax return on assets: 0.06% ($124.5 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
  • 51Total employees (full-time equivalent)
  • $207,422Total assets
  • $40,046Cash and due from depository institutions
  • $35,272Interest-bearing balances
  • $27,947Securities
  • $673Federal funds sold & reverse repurchase agreements
  • $128,314Net loans & leases
  • $2,635Loan loss allowance
  • $0Trading account assets
  • $4,531Bank premises and fixed assets
  • $2,318Other real estate owned
  • $0Goodwill and other intangibles
  • $207,422Life insurance assets
  • $3,593All other assets
  • $189,853Total liabilities and capital
  • $158,857Total liabilities
  • $135,149Total deposits
  • $158,857Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $30,000Trading liabilities
  • $0Other borrowed funds
  • $996Subordinated debt
  • $17,569All other liabilities
  • $17,569Total equity capital
  • $17,569Total bank equity capital
  • $0Perpetual preferred stock
  • $2,452Common stock
  • $20,710Surplus
  • $-5,593Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,783Income earned, not collected on loans
  • $0Earning assets
  • $676Long-term assets (5+ years)
  • $192,206Average Assets, year-to-date
  • $60,331Average Assets, quarterly
  • $215,150Volatile liabilities
  • $214,514Insider loans
  • $142,778FHLB advances
  • $218,278Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,524Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,475Restructured Loans and leases
  • $482Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,134Total interest income
  • $2,792Total interest expense
  • $6,342Net interest income
  • $590Provision for loan and lease losses
  • $750Total noninterest income
  • $0Fiduciary activities
  • $115Service charges on deposit accounts
  • $0Trading account gains & fees
  • $635Additional noninterest income
  • $6,518Total noninterest expense
  • $3,277Salaries and employee benefits
  • $724Premises and equipment expense
  • $2,517Additional noninterest expense
  • -$16Pre-tax net operating income
  • $217Securities gains (losses)
  • $0Applicable income taxes
  • $201Income before extraordinary items
  • $0Extraordinary gains - net
  • $201Net income attributable to bank
  • $0Net charge-offs
  • $201Cash dividends
  • $1,182Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 3.17%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 3.26%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 1.14%Return on equity (ROE)
  • 1.14%Retained earnings to average equity (YTD only)
  • 0.86%Net charge-offs to loans
  • 49.92%Credit loss provision to net charge-offs
  • 0.49%Efficiency ratio
  • 91,906Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 147.78%Noncurrent assets plus other real estate owned to assets
  • 1.98%Noncurrent loans to loans
  • 1.36%Net loans and leases to deposits
  • 80.77%Net loans and leases to core deposits
  • 117.43%Equity capital to assets
  • 8.47%Core capital (leverage) ratio
  • 8.03%Tier 1 risk-based capital ratio
  • 12.27%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $215,150Average earning assets
  • $17,575Average equity
  • $200,152Average loans

List of branches

  • 4 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0425732Bucks County Bank200 S Main Street, Doylestown, PA 18901August 16, 2004Full Service Brick and Mortar
    1444613Bensalem Branch2084 Street Road, Bensalem, PA 19020September 06, 2005Full Service Brick and Mortar
    3467733Warminster Branch356 York Road, Warminster, PA 18974July 26, 2007Full Service Brick and Mortar
    4482991Levittown Branch7203 New Falls Road, Levittown, PA 19055September 15, 2008Full Service Brick and Mortar

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