Earthstar Bank in Southampton, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 10, 2010

  • Earthstar Bank in Southampton, Pennsylvania (PA)
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Earthstar Bank - Overview

  • General
  • FDIC Certificate #: 35561
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Polonia Bank (#29282)
    Federal Reserve ID: 2975625
    Date Established: January 08, 2001
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 81672
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 08, 2001
    Last Structure Change Effective Date: December 10, 2010
    Last Structure Change Process Date: December 13, 2010
    Last Data Update: December 13, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 376 Second Street Pike, Southampton, PA 18966
    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: $112.6 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
  • 35Total employees (full-time equivalent)
  • $116,879Total assets
  • $5,419Cash and due from depository institutions
  • $4,368Interest-bearing balances
  • $14,867Securities
  • $1,615Federal funds sold & reverse repurchase agreements
  • $84,793Net loans & leases
  • $2,378Loan loss allowance
  • $0Trading account assets
  • $968Bank premises and fixed assets
  • $1,333Other real estate owned
  • $0Goodwill and other intangibles
  • $4,555Life insurance assets
  • $7,884All other assets
  • $116,879Total liabilities and capital
  • $113,626Total liabilities
  • $102,773Total deposits
  • $100,187Interest-bearing deposits
  • $102,773Deposits held in domestic offices
  • 95.36%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $10,000Other borrowed funds
  • $0Subordinated debt
  • $853All other liabilities
  • $3,253Total equity capital
  • $3,253Total bank equity capital
  • $3,253Perpetual preferred stock
  • $0Common stock
  • $2,041Surplus
  • $11,250Undivided profits
  • Memoranda
  • $-10,038Noncurrent loans and leases
  • $10,240Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $8,945Earning assets
  • $0Long-term assets (5+ years)
  • $424Average Assets, year-to-date
  • $105,643Average Assets, quarterly
  • $29,680Volatile liabilities
  • $136,893Insider loans
  • $120,426FHLB advances
  • $26,708Loans and leases held for sale
  • $1,219Unused loan commitments
  • $10,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,240Total unused commitments
  • $291Restructured Loans and leases
  • $1,156Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $6,220Total interest income
  • $3,612Total interest expense
  • $2,608Net interest income
  • $3,545Provision for loan and lease losses
  • $390Total noninterest income
  • $0Fiduciary activities
  • $117Service charges on deposit accounts
  • $0Trading account gains & fees
  • $273Additional noninterest income
  • $6,305Total noninterest expense
  • $2,093Salaries and employee benefits
  • $396Premises and equipment expense
  • $3,816Additional noninterest expense
  • -$6,852Pre-tax net operating income
  • $25Securities gains (losses)
  • $0Applicable income taxes
  • -$6,827Income before extraordinary items
  • $0Extraordinary gains - net
  • -$6,827Net income attributable to bank
  • $0Net charge-offs
  • -$6,827Cash dividends
  • $4,532Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 2.90%Cost of funding earning assets
  • 2.09%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 5.06%Noninterest expense to earning assets
  • -5.01%Net operating income to assets
  • -4.99%Return on assets (ROA)
  • -4.99%Pretax return on assets
  • -103.07%Return on equity (ROE)
  • -103.07%Retained earnings to average equity (YTD only)
  • 4.86%Net charge-offs to loans
  • 78.22%Credit loss provision to net charge-offs
  • -0.73%Efficiency ratio
  • 210,307Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.73%Loss allowance to noncurrent loans
  • 26.58%Noncurrent assets plus other real estate owned to assets
  • 8.79%Noncurrent loans to loans
  • 10.26%Net loans and leases to deposits
  • 82.51%Net loans and leases to core deposits
  • 104.60%Equity capital to assets
  • 2.78%Core capital (leverage) ratio
  • 3.00%Tier 1 risk-based capital ratio
  • 3.96%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $136,893Average earning assets
  • $6,623Average equity
  • $124,563Average loans

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