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

First Keystone Community Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Name Change
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
  • Financial Summary
  • Total 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
  • 190Total employees (full-time equivalent)
  • $826,022Total assets
  • $10,102Cash and due from depository institutions
  • $811Interest-bearing balances
  • $329,688Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $410,066Net loans & leases
  • $5,929Loan loss allowance
  • $0Trading account assets
  • $12,725Bank premises and fixed assets
  • $780Other real estate owned
  • $20,505Goodwill and other intangibles
  • $826,022Life insurance assets
  • $42,156All other assets
  • $729,024Total liabilities and capital
  • $627,916Total liabilities
  • $552,283Total deposits
  • $627,916Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 18132.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $77,089Trading liabilities
  • $0Other borrowed funds
  • $5,887Subordinated debt
  • $96,998All other liabilities
  • $96,998Total equity capital
  • $96,998Total bank equity capital
  • $0Perpetual preferred stock
  • $5,867Common stock
  • $42,242Surplus
  • $48,889Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,356Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,188Income earned, not collected on loans
  • $0Earning assets
  • $4,375Long-term assets (5+ years)
  • $740,565Average Assets, year-to-date
  • $421,044Average Assets, quarterly
  • $818,127Volatile liabilities
  • $829,232Insider loans
  • $550,754FHLB advances
  • $805,626Loans and leases held for sale
  • $19,145Unused loan commitments
  • $11,462Tier 1 (core) risk-based capital
  • $69,214Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,683Total unused commitments
  • $63,400Restructured Loans and leases
  • $8,308Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $36,969Total interest income
  • $9,412Total interest expense
  • $27,557Net interest income
  • $1,900Provision for loan and lease losses
  • $4,234Total noninterest income
  • $585Fiduciary activities
  • $988Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,661Additional noninterest income
  • $17,490Total noninterest expense
  • $9,480Salaries and employee benefits
  • $2,781Premises and equipment expense
  • $5,229Additional noninterest expense
  • $12,401Pre-tax net operating income
  • $185Securities gains (losses)
  • $2,584Applicable income taxes
  • $10,002Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,002Net income attributable to bank
  • $0Net charge-offs
  • $10,002Cash dividends
  • $1,672Sale, conversion, retirement of capital stock, net
  • $5,867Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 1.28%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.39%Noninterest expense to earning assets
  • 1.20%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 11.15%Return on equity (ROE)
  • 4.61%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 113.64%Credit loss provision to net charge-offs
  • 8.55%Efficiency ratio
  • 54,107Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.66%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 141.57%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 1.01%Net loans and leases to deposits
  • 65.31%Net loans and leases to core deposits
  • 67.45%Equity capital to assets
  • 11.74%Core capital (leverage) ratio
  • 8.59%Tier 1 risk-based capital ratio
  • 12.57%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $818,127Average earning assets
  • $89,723Average equity
  • $732,526Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $87,666Managed Assets
  • 1Number of Accounts
  • $73,117Personal trust and agency accounts
  • $35,029Employee benefit-defined contribution accounts
  • $3,696Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $9,870Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $24,512Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $10Non-managed Assets
  • 500Number of Accounts
  • $0Personal trust and agency accounts
  • $9,870Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $14,549Other retirement accounts
  • $19Corporate trust and agency accounts
  • $1,522Other fiduciary accounts
  • $11,447Fiduciary accounts held in foreign offices

List of branches

  • 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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