Eagle National Bank in Upper Darby, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Eagle National Bank - Overview

  • General
  • FDIC Certificate #: 26947
    Status: Active
    Federal Reserve ID: 910314
    Bank Holding Company (Regulatory Top Holder): Eagle National Bancorp, Inc. (RSSDID: 3196650, Location: Upper Darby, PA)
    Date Established: April 13, 1987
    WWW: http://www.eaglenational.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 13018
    FDIC's unique #: 36349
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 13, 1987
    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: 8045 West Chester Pike, Upper Darby, PA 19082
    County: Delaware
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $205.9 mil
    Equity capital: $24.3 mil
    Deposits held in domestic offices: $168.8 mil
    Return on assets (ROA): 0.31% ($0.6 mil)
    Quarterly return on assets: 0.37% ($0.8 mil)
    Return on Equity (ROE): 2.91% ($0.7 mil)
    Quarterly return on equity: 3.26% ($0.8 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.45% ($926.7 mil)
    Quarterly Pretax return on assets: 0.49% ($1,009.1 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
  • 40Total employees (full-time equivalent)
  • $205,938Total assets
  • $18,719Cash and due from depository institutions
  • $18,142Interest-bearing balances
  • $29,936Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $146,803Net loans & leases
  • $4,262Loan loss allowance
  • $0Trading account assets
  • $1,412Bank premises and fixed assets
  • $2,250Other real estate owned
  • $1,129Goodwill and other intangibles
  • $205,938Life insurance assets
  • $5,689All other assets
  • $181,686Total liabilities and capital
  • $168,782Total liabilities
  • $141,352Total deposits
  • $168,782Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 1120.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $1,784Subordinated debt
  • $24,252All other liabilities
  • $24,252Total equity capital
  • $24,252Total bank equity capital
  • $0Perpetual preferred stock
  • $4,750Common stock
  • $20,325Surplus
  • $-823Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,400Income earned, not collected on loans
  • $0Earning assets
  • $802Long-term assets (5+ years)
  • $194,881Average Assets, year-to-date
  • $42,998Average Assets, quarterly
  • $222,451Volatile liabilities
  • $212,604Insider loans
  • $143,423FHLB advances
  • $210,530Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,183Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,556Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,667Total interest income
  • $2,044Total interest expense
  • $9,623Net interest income
  • $180Provision for loan and lease losses
  • $1,256Total noninterest income
  • $0Fiduciary activities
  • $341Service charges on deposit accounts
  • $0Trading account gains & fees
  • $915Additional noninterest income
  • $9,656Total noninterest expense
  • $3,564Salaries and employee benefits
  • $1,712Premises and equipment expense
  • $4,380Additional noninterest expense
  • $1,043Pre-tax net operating income
  • -$34Securities gains (losses)
  • $317Applicable income taxes
  • $692Income before extraordinary items
  • $0Extraordinary gains - net
  • $692Net income attributable to bank
  • $0Net charge-offs
  • $692Cash dividends
  • $1,180Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.55%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 4.57%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 4.59%Noninterest expense to earning assets
  • 0.32%Net operating income to assets
  • 0.31%Return on assets (ROA)
  • 0.45%Pretax return on assets
  • 2.91%Return on equity (ROE)
  • 2.91%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • 15.25%Credit loss provision to net charge-offs
  • 1.04%Efficiency ratio
  • 87,471Assets per employee
  • 5.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.82%Loss allowance to noncurrent loans
  • 78.93%Noncurrent assets plus other real estate owned to assets
  • 3.71%Noncurrent loans to loans
  • 3.57%Net loans and leases to deposits
  • 86.98%Net loans and leases to core deposits
  • 89.61%Equity capital to assets
  • 11.78%Core capital (leverage) ratio
  • 10.54%Tier 1 risk-based capital ratio
  • 15.47%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $222,451Average earning assets
  • $23,754Average equity
  • $210,387Average loans

List of branches

  • 7 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036349Eagle National Bank8045 West Chester Pike, Upper Darby, PA 19082April 13, 1987Full Service Brick and Mortar
    3260532Lansdowne Branch48 West Marshall Road, Lansdowne, PA 19050April 15, 1998Full Service Brick and Mortar
    4453322Haverford Branch354 West Lancaster Ave, Haverford, PA 19041November 21, 2005Full Service Brick and Mortar
    5453323West Chester Branch1304 Old Wilmington Pike, West Chester, PA 19382April 03, 2006Full Service Brick and Mortar
    6457088Radnor Branch789 East Lancaster Avenue, Villanova, PA 19085October 03, 2006Full Service Brick and Mortar
    7469618Chadds Ford Branch3 Dickinson Drive, Chadds Ford, PA 19317October 22, 2007Full Service Brick and Mortar
    8475482Devon Branch410 West Lancaster Avenue, Devon, PA 19333March 03, 2008Full Service Brick and Mortar

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