Croydon Savings Bank in Croydon, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 2010

  • Croydon Savings Bank in Croydon, Pennsylvania (PA)
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Croydon Savings Bank - Overview

  • General
  • FDIC Certificate #: 28770
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Fidelity Savings and Loan Association of Bucks Co (#30954)
    Federal Reserve ID: 572776
    Date Established: January 01, 1921
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 2326
    FDIC's unique #: 41604
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 01, 2000
    Last Structure Change Effective Date: July 01, 2010
    Last Structure Change Process Date: August 23, 2010
    Last Data Update: August 23, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 704 State Road, Croydon, PA 19021
    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)
  • Financial Summary
  • Total assets: $11.6 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, 2009)

  • Dollar figures in thousands
  • 2Total employees (full-time equivalent)
  • $12,062Total assets
  • $2,435Cash and due from depository institutions
  • $1,828Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $9,259Net loans & leases
  • $200Loan loss allowance
  • $0Trading account assets
  • $22Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $346All other assets
  • $12,062Total liabilities and capital
  • $11,120Total liabilities
  • $10,981Total deposits
  • $10,965Interest-bearing deposits
  • $10,981Deposits held in domestic offices
  • 99.92%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $139All other liabilities
  • $942Total equity capital
  • $942Total bank equity capital
  • $942Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $942Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,532Earning assets
  • $0Long-term assets (5+ years)
  • $93Average Assets, year-to-date
  • $11,087Average Assets, quarterly
  • $7,855Volatile liabilities
  • $13,026Insider loans
  • $12,504FHLB advances
  • $2,391Loans and leases held for sale
  • $63Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $89Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $607Total interest income
  • $367Total interest expense
  • $240Net interest income
  • $347Provision for loan and lease losses
  • $2Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2Additional noninterest income
  • $315Total noninterest expense
  • $169Salaries and employee benefits
  • $23Premises and equipment expense
  • $123Additional noninterest expense
  • -$420Pre-tax net operating income
  • $0Securities gains (losses)
  • -$121Applicable income taxes
  • -$299Income before extraordinary items
  • $0Extraordinary gains - net
  • -$299Net income attributable to bank
  • $0Net charge-offs
  • -$299Cash dividends
  • $175Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 3.02%Cost of funding earning assets
  • 1.98%Net interest margin
  • 0.02%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • -2.30%Net operating income to assets
  • -2.30%Return on assets (ROA)
  • -3.22%Pretax return on assets
  • -29.52%Return on equity (ROE)
  • -29.52%Retained earnings to average equity (YTD only)
  • 1.64%Net charge-offs to loans
  • 198.29%Credit loss provision to net charge-offs
  • -0.42%Efficiency ratio
  • 130,165Assets per employee
  • 6.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.11%Loss allowance to noncurrent loans
  • 13.05%Noncurrent assets plus other real estate owned to assets
  • 12.70%Noncurrent loans to loans
  • 16.20%Net loans and leases to deposits
  • 84.32%Net loans and leases to core deposits
  • 107.79%Equity capital to assets
  • 7.81%Core capital (leverage) ratio
  • 6.89%Tier 1 risk-based capital ratio
  • 12.23%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $13,026Average earning assets
  • $1,013Average equity
  • $12,150Average loans

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