Keystone Bank, National Association in Horsham, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1998

  • Keystone Bank, National Association in Horsham, Pennsylvania (PA)
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Keystone Bank, National Association - Overview

  • General
  • FDIC Certificate #: 26007
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Keystone Financial Bank, National Association (#7712)
    Federal Reserve ID: 911919
    Date Established: March 18, 1985
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 28 (Interstate: No)
    OTS Docket #: 8997
    FDIC's unique #: 32287
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: March 18, 1985
    Last Structure Change Effective Date: December 31, 1998
    Last Structure Change Process Date: Febuary 17, 1999
    Last Data Update: Febuary 17, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 601 Dresher Road, Horsham, PA 19044
    County: Montgomery
    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)
  • History of Changes
  • Absorption - Without Assistance
  • Financial Summary
  • Total assets: $1,051.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 278Total employees (full-time equivalent)
  • $1,062,477Total assets
  • $37,092Cash and due from depository institutions
  • $5,808Interest-bearing balances
  • $371,474Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $628,252Net loans & leases
  • $7,845Loan loss allowance
  • $0Trading account assets
  • $8,867Bank premises and fixed assets
  • $1,462Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $15,330All other assets
  • $1,062,477Total liabilities and capital
  • $957,033Total liabilities
  • $898,118Total deposits
  • $794,395Interest-bearing deposits
  • $898,118Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $21,758Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $19,005Other borrowed funds
  • $0Subordinated debt
  • $18,152All other liabilities
  • $105,444Total equity capital
  • $105,444Total bank equity capital
  • $105,444Perpetual preferred stock
  • $0Common stock
  • $7,126Surplus
  • $33,308Undivided profits
  • Memoranda
  • $65,010Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $13,956Earning assets
  • $103Long-term assets (5+ years)
  • $5,138Average Assets, year-to-date
  • $1,005,534Average Assets, quarterly
  • $243,218Volatile liabilities
  • $1,080,624Insider loans
  • $1,063,598FHLB advances
  • $94,639Loans and leases held for sale
  • $4,026Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $152,770Total unused commitments
  • $0Restructured Loans and leases
  • $665,777Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $83,573Total interest income
  • $37,902Total interest expense
  • $45,671Net interest income
  • $2,541Provision for loan and lease losses
  • $5,346Total noninterest income
  • $0Fiduciary activities
  • $2,756Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,590Additional noninterest income
  • $29,295Total noninterest expense
  • $10,398Salaries and employee benefits
  • $3,947Premises and equipment expense
  • $14,950Additional noninterest expense
  • $19,181Pre-tax net operating income
  • -$32Securities gains (losses)
  • $6,219Applicable income taxes
  • $12,930Income before extraordinary items
  • $0Extraordinary gains - net
  • $12,930Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2,821Sale, conversion, retirement of capital stock, net
  • $15,053Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.14%Yield on earning assets
  • 3.69%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 1.20%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.77%Pretax return on assets
  • 12.37%Return on equity (ROE)
  • -2.03%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 90.07%Credit loss provision to net charge-offs
  • 7.70%Efficiency ratio
  • 57,069Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 116.42%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 56.21%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 2.19%Net loans and leases to deposits
  • 69.95%Net loans and leases to core deposits
  • 75.36%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 9.96%Tier 1 risk-based capital ratio
  • 15.84%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $1,080,624Average earning assets
  • $104,525Average equity
  • $1,026,306Average loans

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