Lafayette Ambassador Bank in Bethlehem, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Lafayette Ambassador Bank in Bethlehem, Pennsylvania (PA)
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Lafayette Ambassador Bank - Overview

  • General
  • FDIC Certificate #: 11106
    Status: Active
    Federal Reserve ID: 140018
    Bank Holding Company (Regulatory Top Holder): Fulton Financial Corporation (RSSDID: 1117129, Location: Lancaster, PA)
    Date Established: August 22, 1922
    WWW: http://www.lafambank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 23 (Domestic: 23, Interstate: No)
    OTS Docket #: 12250
    FDIC's unique #: 7094
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 07, 2012
    Last Structure Change Process Date: March 13, 2012
    Last Data Update: March 13, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 2005 City Line Road, 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: $1,453.3 mil
    Equity capital: $145.6 mil
    Deposits held in domestic offices: $1,078.2 mil
    Return on assets (ROA): 1.46% ($21.2 mil)
    Quarterly return on assets: 1.25% ($18.2 mil)
    Return on Equity (ROE): 14.63% ($21.4 mil)
    Quarterly return on equity: 12.43% ($18.1 mil)
    Net income: $20.7 mil
    Quarterly Net income: $4.5 mil
    Pretax return on assets: 2.14% ($31,099.7 mil)
    Quarterly Pretax return on assets: 1.82% ($26,449.2 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
  • 201Total employees (full-time equivalent)
  • $1,453,255Total assets
  • $25,514Cash and due from depository institutions
  • $10,552Interest-bearing balances
  • $313,586Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,044,534Net loans & leases
  • $12,875Loan loss allowance
  • $0Trading account assets
  • $7,362Bank premises and fixed assets
  • $1,414Other real estate owned
  • $16,401Goodwill and other intangibles
  • $1,453,255Life insurance assets
  • $44,444All other assets
  • $1,307,620Total liabilities and capital
  • $1,078,212Total liabilities
  • $913,077Total deposits
  • $1,078,212Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 120229.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $93,927Trading liabilities
  • $7,000Other borrowed funds
  • $8,252Subordinated debt
  • $145,635All other liabilities
  • $145,635Total equity capital
  • $145,635Total bank equity capital
  • $0Perpetual preferred stock
  • $11,174Common stock
  • $37,134Surplus
  • $97,327Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,046Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,619Income earned, not collected on loans
  • $0Earning assets
  • $4,551Long-term assets (5+ years)
  • $1,368,672Average Assets, year-to-date
  • $314,915Average Assets, quarterly
  • $1,418,501Volatile liabilities
  • $1,445,617Insider loans
  • $1,105,099FHLB advances
  • $1,415,851Loans and leases held for sale
  • $761Unused loan commitments
  • $761Tier 1 (core) risk-based capital
  • $125,951Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $270,167Restructured Loans and leases
  • $31,901Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $65,588Total interest income
  • $9,576Total interest expense
  • $56,012Net interest income
  • $5,991Provision for loan and lease losses
  • $13,625Total noninterest income
  • $0Fiduciary activities
  • $4,265Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9,360Additional noninterest income
  • $33,969Total noninterest expense
  • $11,228Salaries and employee benefits
  • $4,523Premises and equipment expense
  • $18,218Additional noninterest expense
  • $29,677Pre-tax net operating income
  • $719Securities gains (losses)
  • $9,717Applicable income taxes
  • $20,679Income before extraordinary items
  • $0Extraordinary gains - net
  • $20,679Net income attributable to bank
  • $0Net charge-offs
  • $20,679Cash dividends
  • $5,292Sale, conversion, retirement of capital stock, net
  • $10,150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 4.16%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 1.42%Net operating income to assets
  • 1.46%Return on assets (ROA)
  • 2.14%Pretax return on assets
  • 14.63%Return on equity (ROE)
  • 7.45%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 113.21%Credit loss provision to net charge-offs
  • 6.74%Efficiency ratio
  • 48,596Assets per employee
  • 7.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.08%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 102.03%Noncurrent assets plus other real estate owned to assets
  • 0.97%Noncurrent loans to loans
  • 1.19%Net loans and leases to deposits
  • 96.88%Net loans and leases to core deposits
  • 101.78%Equity capital to assets
  • 10.02%Core capital (leverage) ratio
  • 8.90%Tier 1 risk-based capital ratio
  • 11.40%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,418,501Average earning assets
  • $141,355Average equity
  • $1,345,156Average loans

List of branches

  • 23 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07094Lafayette Ambassador Bank2005 City Line Road, Bethlehem, PA 18017August 22, 1922Full Service Brick and Mortar
    1224021Palmer Township BranchWilliam Penn Highway, Palmer Township, PA 18042August 31, 1964Full Service Brick and Mortar
    2224022Wilson Branch1800 Butler Street, Easton, PA 18042May 12, 1975Full Service Brick and Mortar
    5216239Bangor Plaza Branch1309 Blue Valley Drive, Pen Argyl, PA 18072November 17, 1983Full Service Brick and Mortar
    74950Nazareth Branch131 South Main Street, Nazareth, PA 18064January 01, 1901Full Service Brick and Mortar
    8216166Newburg BranchRoute 191 & Newberg Road, Lower Nazareth Township, PA 18064December 21, 1970Full Service Brick and Mortar
    921616725th Street Branch2525 Nazareth Road, Easton, PA 18042November 15, 1972Full Service Brick and Mortar
    11216169Bethlehem Township BranchEaston Avenue And Santee Road, Bethlehem Township, PA 18017June 06, 1987Full Service Brick and Mortar
    14216462Forks Office Branch1945 Sullivan Trail, Easton, PA 18040October 11, 1988Full Service Brick and Mortar
    16224023Hanover Township BranchRoute 512 And Crawford Road, Hanover Township, PA 18017September 12, 1994Full Service Brick and Mortar
    17224024Wind Gap Branch856 S. Broadway, Wind Gap, PA 18091November 21, 1994Full Service Brick and Mortar
    18224025South Easton Branch280 Line Street, Easton, PA 18042December 04, 1995Full Service Brick and Mortar
    1946434Tilghman Street Branch4127 Tilghman Street, Allentown, PA 18104November 19, 1990Full Service Brick and Mortar
    20289366Brookside Road Branch1995 Brookside Road, Macungie, PA 18062November 12, 1993Full Service Brick and Mortar
    21289367Bath Pike Branch3397 Bath Pike, Bethlehem, PA 18017November 30, 1993Full Service Brick and Mortar
    2221617019th Street Branch535 North 19th Street, Allentown, PA 18104Febuary 13, 1988Full Service Brick and Mortar
    23289368State Road Branch402 State Road, Emmaus, PA 18049Febuary 20, 1996Full Service Brick and Mortar
    24289369Grape Street Branch1323 Grape Street, Whitehall, PA 18052September 09, 1996Full Service Brick and Mortar
    2544492Downtown Bethlehem BranchOne East Broad Street, Bethlehem, PA 18018January 01, 1915Full Service Brick and Mortar
    27224026Saucon Valley Square Office3727 Rt.378, Bethlehem, PA 18015December 02, 1998Full Service Brick and Mortar
    31452362Chestnut Street Branch1137 Chestnut Street, Emmaus, PA 18049June 19, 2006Full Service Brick and Mortar
    32478948Coopersburg Branch317 E. Landis Street, Coopersburg, PA 18036September 17, 2007Full Service Brick and Mortar
    33529266Easton Branch360 Northampton Street, Easton, PA 18042November 04, 2011Full Service Brick and Mortar

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