Keystone Nazareth Bank & Trust Company in Bethlehem, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 02, 2008

  • Keystone Nazareth Bank & Trust Company in Bethlehem, Pennsylvania (PA)
  • Show street view No street view available for this location

Keystone Nazareth Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 28166
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National Penn Bank (#7414)
    Federal Reserve ID: 1001273
    Date Established: January 01, 1925
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 56 (Interstate: No)
    OTS Docket #: 1034
    FDIC's unique #: 41000
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 17, 1960
    Last Structure Change Effective Date: Febuary 02, 2008
    Last Structure Change Process Date: March 03, 2008
    Last Data Update: March 03, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: Route 512 And Highland Avenue, Bethlehem, PA 18017
    County: Northampton
    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): Allentown-Bethlehem-Easton, PA (#240)
    Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900)
    CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900)
  • Financial Summary
  • Total assets: $2,932.6 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, 2007)

  • Dollar figures in thousands
  • 721Total employees (full-time equivalent)
  • $2,932,615Total assets
  • $65,621Cash and due from depository institutions
  • $598Interest-bearing balances
  • $648,438Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,852,425Net loans & leases
  • $18,791Loan loss allowance
  • $0Trading account assets
  • $44,758Bank premises and fixed assets
  • $109Other real estate owned
  • $134,662Goodwill and other intangibles
  • $81,858Life insurance assets
  • $186,602All other assets
  • $2,932,615Total liabilities and capital
  • $2,610,966Total liabilities
  • $1,972,456Total deposits
  • $1,884,210Interest-bearing deposits
  • $1,972,456Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $233,092Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $320,836Other borrowed funds
  • $0Subordinated debt
  • $84,582All other liabilities
  • $321,649Total equity capital
  • $321,649Total bank equity capital
  • $321,649Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $253,792Undivided profits
  • Memoranda
  • $67,857Noncurrent loans and leases
  • $510,828Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $6,531Earning assets
  • $1,114Long-term assets (5+ years)
  • $10,091Average Assets, year-to-date
  • $2,501,461Average Assets, quarterly
  • $1,311,534Volatile liabilities
  • $2,927,017Insider loans
  • $2,922,571FHLB advances
  • $481,082Loans and leases held for sale
  • $7,213Unused loan commitments
  • $307,123Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,088Total risk weighted assets
  • $510,828Total unused commitments
  • $0Restructured Loans and leases
  • $18,791Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $151,055Total interest income
  • $80,672Total interest expense
  • $70,383Net interest income
  • $2,678Provision for loan and lease losses
  • $36,784Total noninterest income
  • $5,751Fiduciary activities
  • $6,813Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24,220Additional noninterest income
  • $74,293Total noninterest expense
  • $43,283Salaries and employee benefits
  • $11,602Premises and equipment expense
  • $19,408Additional noninterest expense
  • $30,196Pre-tax net operating income
  • -$1,622Securities gains (losses)
  • $8,687Applicable income taxes
  • $19,887Income before extraordinary items
  • $0Extraordinary gains - net
  • $19,887Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $931Sale, conversion, retirement of capital stock, net
  • $67,000Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.04%Yield on earning assets
  • 3.23%Cost of funding earning assets
  • 2.82%Net interest margin
  • 1.47%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 5.86%Return on equity (ROE)
  • -13.87%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 287.65%Credit loss provision to net charge-offs
  • 35.31%Efficiency ratio
  • 65,858Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 336.90%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 287.72%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 93.91%Net loans and leases to core deposits
  • 102.26%Equity capital to assets
  • 10.97%Core capital (leverage) ratio
  • 6.91%Tier 1 risk-based capital ratio
  • 9.20%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $2,927,017Average earning assets
  • $339,566Average equity
  • $2,500,086Average loans

Total Fiduciary and Related Assets (December 31, 2007)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $885,559Managed Assets
  • 1Number of Accounts
  • $799,635Personal trust and agency accounts
  • $382,538Employee benefit-defined contribution accounts
  • $97,479Employee benefit-defined benefit accounts
  • $25,563Other retirement accounts
  • $75,675Corporate trust and agency accounts
  • $80Investment management agency accounts
  • $218,300Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1763Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $85,924Other retirement accounts
  • $27,168Corporate trust and agency accounts
  • $39,633Other fiduciary accounts
  • $18,704Fiduciary accounts held in foreign offices

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Keystone Nazareth Bank & Trust Company.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents