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


Monument Bank - Overview

  • General
  • FDIC Certificate #: 58757
    Status: Active
    Federal Reserve ID: 3616309
    Date Established: Febuary 22, 2008
    WWW: http://www.monumentbankpa.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 467259
    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: Febuary 22, 2008
    Last Structure Change Effective Date: April 03, 2012
    Last Structure Change Process Date: April 03, 2012
    Last Data Update: April 03, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 465 North Main Street, Doylestown, PA 18901
    County: Bucks
    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)
  • Financial Summary
  • Total assets: $168.5 mil
    Equity capital: $16.9 mil
    Deposits held in domestic offices: $122.7 mil
    Return on assets (ROA): 0.92% ($1.6 mil)
    Quarterly return on assets: 0.13% ($0.2 mil)
    Return on Equity (ROE): 9.41% ($1.6 mil)
    Quarterly return on equity: 1.21% ($0.2 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.92% ($1,550.6 mil)
    Quarterly Pretax return on assets: 0.13% ($219.1 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
  • 22Total employees (full-time equivalent)
  • $168,542Total assets
  • $4,041Cash and due from depository institutions
  • $3,094Interest-bearing balances
  • $81,093Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $76,325Net loans & leases
  • $967Loan loss allowance
  • $0Trading account assets
  • $3,077Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $168,542Life insurance assets
  • $4,006All other assets
  • $151,659Total liabilities and capital
  • $122,711Total liabilities
  • $116,392Total deposits
  • $122,711Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 2353.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,900Trading liabilities
  • $0Other borrowed funds
  • $695Subordinated debt
  • $16,883All other liabilities
  • $16,883Total equity capital
  • $16,883Total bank equity capital
  • $2,970Perpetual preferred stock
  • $1,267Common stock
  • $11,567Surplus
  • $1,079Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $472Income earned, not collected on loans
  • $0Earning assets
  • $760Long-term assets (5+ years)
  • $160,512Average Assets, year-to-date
  • $59,667Average Assets, quarterly
  • $141,626Volatile liabilities
  • $157,008Insider loans
  • $107,121FHLB advances
  • $156,223Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,340Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,347Restructured Loans and leases
  • $1,919Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,772Total interest income
  • $2,083Total interest expense
  • $3,689Net interest income
  • $313Provision for loan and lease losses
  • $204Total noninterest income
  • $0Fiduciary activities
  • $20Service charges on deposit accounts
  • $0Trading account gains & fees
  • $184Additional noninterest income
  • $3,789Total noninterest expense
  • $2,182Salaries and employee benefits
  • $282Premises and equipment expense
  • $1,325Additional noninterest expense
  • -$209Pre-tax net operating income
  • $1,514Securities gains (losses)
  • $0Applicable income taxes
  • $1,305Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,305Net income attributable to bank
  • $0Net charge-offs
  • $1,305Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $13Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.31%Yield on earning assets
  • 1.56%Cost of funding earning assets
  • 2.75%Net interest margin
  • 0.15%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • -0.15%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 9.41%Return on equity (ROE)
  • 9.32%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 97,329Assets per employee
  • 7.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.00%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 204.87%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.61%Net loans and leases to deposits
  • 62.20%Net loans and leases to core deposits
  • 85.10%Equity capital to assets
  • 10.02%Core capital (leverage) ratio
  • 10.46%Tier 1 risk-based capital ratio
  • 15.25%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $141,626Average earning assets
  • $13,869Average equity
  • $133,929Average loans

List of branches

  • 2 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0467259Monument Bank465 North Main Street, Doylestown, PA 18901Febuary 22, 2008Full Service Brick and Mortar
    2521581Newtown Branch33 Swamp Road, Newtown, PA 18940May 16, 2011Full Service Brick and Mortar

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