First Keystone Bank in Media, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 2010

  • First Keystone Bank in Media, Pennsylvania (PA)
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First Keystone Bank - Overview

  • General
  • FDIC Certificate #: 29369
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Bryn Mawr Trust Company (#11866)
    Federal Reserve ID: 365174
    Date Established: January 01, 1934
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3346
    FDIC's unique #: 42203
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: Febuary 25, 1935
    Last Structure Change Effective Date: July 01, 2010
    Last Structure Change Process Date: July 09, 2010
    Last Data Update: July 09, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 22 West State Street, Media, PA 19063
    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)
  • Financial Summary
  • Total assets: $481.2 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, 2009)

  • Dollar figures in thousands
  • 87Total employees (full-time equivalent)
  • $504,274Total assets
  • $28,857Cash and due from depository institutions
  • $26,486Interest-bearing balances
  • $133,885Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $300,555Net loans & leases
  • $5,588Loan loss allowance
  • $0Trading account assets
  • $4,112Bank premises and fixed assets
  • $370Other real estate owned
  • $313Goodwill and other intangibles
  • $16,560Life insurance assets
  • $36,182All other assets
  • $504,274Total liabilities and capital
  • $461,945Total liabilities
  • $350,580Total deposits
  • $341,875Interest-bearing deposits
  • $350,580Deposits held in domestic offices
  • 88.73%% insured (estimated)
  • $5,431Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $102,651Other borrowed funds
  • $0Subordinated debt
  • $3,283All other liabilities
  • $42,329Total equity capital
  • $42,329Total bank equity capital
  • $42,212Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $16,432Undivided profits
  • Memoranda
  • $25,779Noncurrent loans and leases
  • $47,269Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $117Income earned, not collected on loans
  • $4,965Earning assets
  • $0Long-term assets (5+ years)
  • $1,992Average Assets, year-to-date
  • $460,926Average Assets, quarterly
  • $0Volatile liabilities
  • $519,110Insider loans
  • $515,313FHLB advances
  • $170,596Loans and leases held for sale
  • $6,360Unused loan commitments
  • $102,651Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $47,269Total unused commitments
  • $2,765Restructured Loans and leases
  • $4,302Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $23,769Total interest income
  • $10,632Total interest expense
  • $13,137Net interest income
  • $4,025Provision for loan and lease losses
  • $2,080Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,080Additional noninterest income
  • $13,354Total noninterest expense
  • $6,019Salaries and employee benefits
  • $2,273Premises and equipment expense
  • $5,062Additional noninterest expense
  • -$2,162Pre-tax net operating income
  • -$1,108Securities gains (losses)
  • -$1,244Applicable income taxes
  • -$2,026Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,075Net income attributable to bank
  • $49Net charge-offs
  • -$2,026Cash dividends
  • $1,736Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 2.22%Cost of funding earning assets
  • 2.75%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • -0.25%Net operating income to assets
  • -0.40%Return on assets (ROA)
  • -0.64%Pretax return on assets
  • -4.87%Return on equity (ROE)
  • -4.87%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 231.85%Credit loss provision to net charge-offs
  • 1.07%Efficiency ratio
  • 87,757Assets per employee
  • 5.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 112.55%Noncurrent assets plus other real estate owned to assets
  • 1.06%Noncurrent loans to loans
  • 1.62%Net loans and leases to deposits
  • 85.73%Net loans and leases to core deposits
  • 104.34%Equity capital to assets
  • 8.37%Core capital (leverage) ratio
  • 8.40%Tier 1 risk-based capital ratio
  • 12.47%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $519,110Average earning assets
  • $42,644Average equity
  • $478,341Average loans

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