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

  • Fleetwood Bank in Fleetwood, Pennsylvania (PA)
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Fleetwood Bank - Overview

  • General
  • FDIC Certificate #: 13561
    Status: Active
    Federal Reserve ID: 551016
    Bank Holding Company (Regulatory Top Holder): Fleetwood Bank Corporation (RSSDID: 1138768, Location: Fleetwood, PA)
    Date Established: January 01, 1934
    WWW: http://www.fleetwoodbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 10267
    FDIC's unique #: 8478
    Numeric code: 13
    Regulator: FED
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 04, 1934
    Last Structure Change Effective Date: April 03, 2006
    Last Structure Change Process Date: April 14, 2006
    Last Data Update: April 14, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Franklin Streets, Fleetwood, PA 19522
    County: Berks
    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): Reading, PA (#6680)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Reading, PA (#39740)
    CBSA Metro Statistical Area: Reading, PA (#39740)
  • History of Changes
  • Name Change
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $229.8 mil
    Equity capital: $19.5 mil
    Deposits held in domestic offices: $195.7 mil
    Return on assets (ROA): 0.55% ($1.3 mil)
    Quarterly return on assets: 0.41% ($0.9 mil)
    Return on Equity (ROE): 6.48% ($1.2 mil)
    Quarterly return on equity: 4.83% ($0.9 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.74% ($1,700.4 mil)
    Quarterly Pretax return on assets: 0.64% ($1,470.6 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
  • 63Total employees (full-time equivalent)
  • $229,782Total assets
  • $11,640Cash and due from depository institutions
  • $2,696Interest-bearing balances
  • $80,282Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $122,603Net loans & leases
  • $1,382Loan loss allowance
  • $0Trading account assets
  • $5,105Bank premises and fixed assets
  • $696Other real estate owned
  • $0Goodwill and other intangibles
  • $229,782Life insurance assets
  • $9,456All other assets
  • $210,294Total liabilities and capital
  • $195,749Total liabilities
  • $176,076Total deposits
  • $195,749Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,750Trading liabilities
  • $0Other borrowed funds
  • $1,795Subordinated debt
  • $19,488All other liabilities
  • $19,488Total equity capital
  • $19,488Total bank equity capital
  • $0Perpetual preferred stock
  • $553Common stock
  • $1,464Surplus
  • $17,471Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,117Income earned, not collected on loans
  • $0Earning assets
  • $788Long-term assets (5+ years)
  • $205,581Average Assets, year-to-date
  • $162,449Average Assets, quarterly
  • $224,583Volatile liabilities
  • $226,740Insider loans
  • $122,844FHLB advances
  • $225,375Loans and leases held for sale
  • $5,392Unused loan commitments
  • $5,392Tier 1 (core) risk-based capital
  • $19,180Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,645Restructured Loans and leases
  • $1,374Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,065Total interest income
  • $1,912Total interest expense
  • $7,153Net interest income
  • $75Provision for loan and lease losses
  • $1,168Total noninterest income
  • $0Fiduciary activities
  • $506Service charges on deposit accounts
  • $0Trading account gains & fees
  • $662Additional noninterest income
  • $6,580Total noninterest expense
  • $3,669Salaries and employee benefits
  • $1,007Premises and equipment expense
  • $1,904Additional noninterest expense
  • $1,666Pre-tax net operating income
  • $0Securities gains (losses)
  • $424Applicable income taxes
  • $1,242Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,242Net income attributable to bank
  • $0Net charge-offs
  • $1,242Cash dividends
  • $78Sale, conversion, retirement of capital stock, net
  • $549Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 6.48%Return on equity (ROE)
  • 3.62%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 96.15%Credit loss provision to net charge-offs
  • 22.32%Efficiency ratio
  • 79,077Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.20%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 123.72%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 0.90%Net loans and leases to deposits
  • 62.63%Net loans and leases to core deposits
  • 66.36%Equity capital to assets
  • 8.48%Core capital (leverage) ratio
  • 8.51%Tier 1 risk-based capital ratio
  • 15.61%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $224,583Average earning assets
  • $19,165Average equity
  • $203,889Average loans

List of branches

  • 6 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08478Fleetwood BankMain And Franklin Streets, Fleetwood, PA 19522January 01, 1934Full Service Brick and Mortar
    2229682Kutztown BranchRoute 222 & Kemp Road, Kutztown, PA 19530September 05, 1989Full Service Brick and Mortar
    3229683Lyons BranchEast State Avenue And 3 South Main Street, Lyons Station, PA 19536January 16, 1996Full Service Brick and Mortar
    4229684Blandon Office917 Park Road, Blandon, PA 19510May 20, 1999Full Service Brick and Mortar
    7431944Temple Branch4445 Kutztown Road, Temple, PA 19560August 02, 2004Full Service Brick and Mortar
    8511421Shoemakersville Branch455 Main Street, Shoemakersville, PA 19555December 17, 2009Full Service Brick and Mortar

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