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

New Tripoli Bank - Overview

  • General
  • FDIC Certificate #: 7659
    Status: Active
    Federal Reserve ID: 331713
    Bank Holding Company (Regulatory Top Holder): New Tripoli Bancorp, Inc. (RSSDID: 1138106, Location: New Tripoli, PA)
    Date Established: March 10, 1910
    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)
    OTS Docket #: 11349
    FDIC's unique #: 4961
    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 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Market And Madison Streets, New Tripoli, PA 18066
    County: Lehigh
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $321.6 mil
    Equity capital: $38.9 mil
    Deposits held in domestic offices: $240.5 mil
    Return on assets (ROA): 1.54% ($5.0 mil)
    Quarterly return on assets: 1.69% ($5.4 mil)
    Return on Equity (ROE): 13.30% ($5.2 mil)
    Quarterly return on equity: 13.92% ($5.4 mil)
    Net income: $4.8 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 1.96% ($6,303.5 mil)
    Quarterly Pretax return on assets: 2.15% ($6,914.5 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
  • 40Total employees (full-time equivalent)
  • $321,606Total assets
  • $3,677Cash and due from depository institutions
  • $482Interest-bearing balances
  • $93,282Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $208,653Net loans & leases
  • $2,713Loan loss allowance
  • $0Trading account assets
  • $2,259Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $321,606Life insurance assets
  • $13,735All other assets
  • $282,722Total liabilities and capital
  • $240,482Total liabilities
  • $219,318Total deposits
  • $240,482Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $39,710Trading liabilities
  • $0Other borrowed funds
  • $2,530Subordinated debt
  • $38,884All other liabilities
  • $38,884Total equity capital
  • $38,884Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $500Surplus
  • $38,309Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,882Income earned, not collected on loans
  • $46Earning assets
  • $1,582Long-term assets (5+ years)
  • $302,417Average Assets, year-to-date
  • $250,878Average Assets, quarterly
  • $310,746Volatile liabilities
  • $318,666Insider loans
  • $204,543FHLB advances
  • $314,319Loans and leases held for sale
  • $8,744Unused loan commitments
  • $6,468Tier 1 (core) risk-based capital
  • $35,931Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,276Total unused commitments
  • $16,134Restructured Loans and leases
  • $3,169Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,096Total interest income
  • $3,400Total interest expense
  • $11,696Net interest income
  • $650Provision for loan and lease losses
  • $792Total noninterest income
  • $0Fiduciary activities
  • $179Service charges on deposit accounts
  • $0Trading account gains & fees
  • $613Additional noninterest income
  • $5,735Total noninterest expense
  • $3,076Salaries and employee benefits
  • $443Premises and equipment expense
  • $2,216Additional noninterest expense
  • $6,103Pre-tax net operating income
  • -$6Securities gains (losses)
  • $1,299Applicable income taxes
  • $4,798Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,798Net income attributable to bank
  • $0Net charge-offs
  • $4,798Cash dividends
  • $313Sale, conversion, retirement of capital stock, net
  • $2,919Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 1.97%Noninterest expense to earning assets
  • 1.55%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 1.96%Pretax return on assets
  • 13.30%Return on equity (ROE)
  • 5.21%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 207.67%Credit loss provision to net charge-offs
  • 21.58%Efficiency ratio
  • 45,924Assets per employee
  • 8.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.84%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 55.57%Noncurrent assets plus other real estate owned to assets
  • 1.52%Noncurrent loans to loans
  • 2.31%Net loans and leases to deposits
  • 86.76%Net loans and leases to core deposits
  • 91.72%Equity capital to assets
  • 12.09%Core capital (leverage) ratio
  • 11.43%Tier 1 risk-based capital ratio
  • 17.57%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $310,746Average earning assets
  • $36,077Average equity
  • $291,373Average loans

List of branches

  • 2 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04961New Tripoli BankMarket And Madison Streets, New Tripoli, PA 18066March 10, 1910Full Service Brick and Mortar
    1441877Claussville Branch7747 Claussville Road, Orefield, PA 18069October 12, 1999Full Service Brick and Mortar

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