First Keystone Community Bank in Berwick, Pennsylvania (PA)



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First Keystone Community Bank routing number info

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First Keystone Community Bank
GeneralFDIC Certificate #: 7404
Status: Active
Federal Reserve ID: 790918
Bank Holding Company (Regulatory Top Holder): First Keystone Corporation (RSSDID: 1118265, Location: Berwick, PA)
Date Established: September 23, 1864
WWW: http://www.firstkeystonecommunity.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 15 (Domestic: 15, Interstate: No)
OTS Docket #: 9495
FDIC's unique #: 4826
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: January 01, 1934
Last Structure Change Effective Date: October 01, 2010
Last Structure Change Process Date: October 19, 2010
Last Data Update: October 19, 2010
Data Source Date: April 05, 2012
LocationAddress: 111 West Front Street, Berwick, PA 18603
County: Columbia
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Scranton--Wilkes-Barre--Hazleton, PA (#7560)
Core Based Statistical Area (CBSA): Bloomsburg-Berwick, PA (#14100)
CBSA Micro Statistical Area: Yes
History of ChangesName Change
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial SummaryTotal assets: $826.0 mil
Equity capital: $97.0 mil
Deposits held in domestic offices: $627.9 mil
Return on assets (ROA): 1.22% ($10.1 mil)
Quarterly return on assets: 1.09% ($9.0 mil)
Return on Equity (ROE): 11.15% ($10.8 mil)
Quarterly return on equity: 9.37% ($9.1 mil)
Net income: $10.0 mil
Quarterly Net income: $2.3 mil
Pretax return on assets: 1.54% ($12,720.7 mil)
Quarterly Pretax return on assets: 1.39% ($11,481.7 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)
Total employees (full-time equivalent)190
Total assets$826,022
Cash and due from depository institutions$10,102
Interest-bearing balances$811
Securities$329,688
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$410,066
Loan loss allowance $5,929
Trading account assets$0
Bank premises and fixed assets$12,725
Other real estate owned$780
Goodwill and other intangibles$20,505
All other assets$42,156
Life insurance assets$826,022
Total liabilities and capital$729,024
Total liabilities$627,916
Total deposits$552,283
Interest-bearing deposits$627,916
Deposits held in domestic offices$79
% insured (estimated)18132.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$77,089
Other borrowed funds $0
Subordinated debt $5,887
All other liabilities $96,998
Total equity capital$96,998
Total bank equity capital$96,998
Perpetual preferred stock$0
Common stock$5,867
Surplus$42,242
Undivided profits $48,889
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,356
Income earned, not collected on loans $4,188
Earning assets $0
Long-term assets (5+ years) $4,375
Average Assets, year-to-date $740,565
Average Assets, quarterly $421,044
Volatile liabilities $818,127
Insider loans $829,232
FHLB advances $550,754
Loans and leases held for sale $805,626
Unused loan commitments $19,145
Tier 1 (core) risk-based capital $11,462
Tier 2 risk-based capital $69,214
Total risk weighted assets $0
Total unused commitments $7,683
Restructured Loans and leases $63,400
Derivatives$8,308
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $36,969
Total interest expense $9,412
Net interest income $27,557
Provision for loan and lease losses $1,900
Total noninterest income $4,234
Fiduciary activities $585
Service charges on deposit accounts $988
Trading account gains & fees $0
Additional noninterest income $2,661
Total noninterest expense $17,490
Salaries and employee benefits $9,480
Premises and equipment expense $2,781
Additional noninterest expense $5,229
Pre-tax net operating income $12,401
Securities gains (losses) $185
Applicable income taxes $2,584
Income before extraordinary items $10,002
Extraordinary gains - net $0
Net income attributable to bank $10,002
Net charge-offs $0
Cash dividends $10,002
Sale, conversion, retirement of capital stock, net $1,672
Net operating income $5,867
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.05%
Cost of funding earning assets 1.28%
Net interest margin 3.76%
Noninterest income to earning assets 0.58%
Noninterest expense to earning assets 2.39%
Net operating income to assets 1.20%
Return on assets (ROA) 1.22%
Pretax return on assets 1.54%
Return on equity (ROE) 11.15%
Retained earnings to average equity (YTD only) 4.61%
Net charge-offs to loans 0.41%
Credit loss provision to net charge-offs 113.64%
Efficiency ratio8.55%
Assets per employee$54,107
Cash dividends to net income (YTD only)4.35%
Condition Ratios (%)
Loss allowance to loans 58.66%
Loss allowance to noncurrent loans 1.43%
Noncurrent assets plus other real estate owned to assets 141.57%
Noncurrent loans to loans 0.60%
Net loans and leases to deposits1.01%
Net loans and leases to core deposits 65.31%
Equity capital to assets 67.45%
Core capital (leverage) ratio 11.74%
Tier 1 risk-based capital ratio 8.59%
Total risk-based capital ratio 12.57%
Memoranda
Average assets$14
Average earning assets$818,127
Average equity $89,723
Average loans $732,526
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$87,666
Number of Accounts1
Personal trust and agency accounts$73,117
Employee benefit-defined contribution accounts$35,029
Employee benefit-defined benefit accounts$3,696
Other retirement accounts$0
Corporate trust and agency accounts$9,870
Investment management agency accounts$0
Other fiduciary accounts$24,512
Fiduciary accounts held in foreign offices$0
Non-managed Assets$10
Number of Accounts500
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$9,870
Employee benefit-defined benefit accounts$0
Other retirement accounts$14,549
Corporate trust and agency accounts$19
Other fiduciary accounts$1,522
Fiduciary accounts held in foreign offices$11,447
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15 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04826First Keystone Community Bank111 West Front Street, Berwick, PA 18603September 23, 1864Full Service Brick and Mortar
1215369Nescopeck Branch435 West Third Street, Nescopeck, PA 18635September 01, 1960Full Service Brick and Mortar
2215370Salem Branch400 Fowler Avenue, Berwick, PA 18603September 07, 1978Full Service Brick and Mortar
3215371Freas Avenue Branch701 Freas Avenue, Berwick, PA 18603December 18, 1986Full Service Brick and Mortar
4215372Scott Township Branch2301 Columbia Blvd, Bloomsburg, PA 17815March 06, 1989Full Service Brick and Mortar
5215373Mifflinville BranchThird And Race Streets, Mifflinville, PA 18631August 01, 1994Full Service Brick and Mortar
6215374Hanover Township Branch1540 Sans Souci Highway, Wilkes-Barre, PA 18702October 06, 1997Full Service Brick and Mortar
8215376Berwick Giant Market Branch50 Briar Creek Plaza, Berwick, PA 18603August 30, 1999Full Service Retail
9419717Kingston Branch179 South Wyoming Avenue, Kingston, PA 18704August 10, 2002Full Service Brick and Mortar
10461331519 Bloom Road Branch1519 Bloom Road, Danville, PA 17821May 15, 1990Full Service Brick and Mortar
1157787Pocono Community Bank Branch559 Main Street, Stroudsburg, PA 18360November 21, 1997Full Service Brick and Mortar
12359965Route 390 And Price BranchRoute 390 And Price Drive, Mountainhome, PA 18342November 30, 2000Full Service Brick and Mortar
13449785Pocono Community BranchRoute 209 Brodheadsville, Brodheadsville, PA 18322March 02, 2006Full Service Brick and Mortar
14470514Swiftwater OfficeRoute 611, Swiftwater, PA 18370November 28, 2007Full Service Brick and Mortar
15495824Mountaintop18 North Mountain Boulevard, Mountain Top, PA 18707September 28, 2009Full Service Brick and Mortar
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