Patriot Bank in Pottstown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 10, 2004

  • Patriot Bank in Pottstown, Pennsylvania (PA)
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Patriot Bank - Overview

  • General
  • FDIC Certificate #: 28673
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Susquehanna Bank DV (#6443)
    Federal Reserve ID: 133270
    Date Established: January 01, 1905
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 21 (Interstate: No)
    OTS Docket #: 13207
    FDIC's unique #: 41507
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 02, 1938
    Last Structure Change Effective Date: June 10, 2004
    Last Structure Change Process Date: June 22, 2004
    Last Data Update: June 22, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: High & Hanover Streets, Pottstown, PA 19464
    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)
  • Financial Summary
  • Total assets: $1,036.4 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, 2003)

  • Dollar figures in thousands
  • 271Total employees (full-time equivalent)
  • $1,039,102Total assets
  • $16,985Cash and due from depository institutions
  • $1,705Interest-bearing balances
  • $331,482Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $624,529Net loans & leases
  • $6,904Loan loss allowance
  • $0Trading account assets
  • $10,829Bank premises and fixed assets
  • $192Other real estate owned
  • $11,377Goodwill and other intangibles
  • $0Life insurance assets
  • $43,708All other assets
  • $1,039,102Total liabilities and capital
  • $957,797Total liabilities
  • $615,915Total deposits
  • $605,518Interest-bearing deposits
  • $615,915Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $64,407Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $272,165Other borrowed funds
  • $0Subordinated debt
  • $5,310All other liabilities
  • $81,305Total equity capital
  • $81,305Total bank equity capital
  • $81,305Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $33,308Undivided profits
  • Memoranda
  • $47,996Noncurrent loans and leases
  • $66,549Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $5,058Earning assets
  • $0Long-term assets (5+ years)
  • $3,473Average Assets, year-to-date
  • $957,716Average Assets, quarterly
  • $363,219Volatile liabilities
  • $1,011,091Insider loans
  • $1,024,426FHLB advances
  • $172,731Loans and leases held for sale
  • $1,041Unused loan commitments
  • $272,165Tier 1 (core) risk-based capital
  • $72,000Tier 2 risk-based capital
  • $4,363Total risk weighted assets
  • $66,549Total unused commitments
  • $0Restructured Loans and leases
  • $7,449Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $59,367Total interest income
  • $25,958Total interest expense
  • $33,409Net interest income
  • $3,930Provision for loan and lease losses
  • $8,847Total noninterest income
  • $0Fiduciary activities
  • $3,657Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,190Additional noninterest income
  • $26,134Total noninterest expense
  • $13,965Salaries and employee benefits
  • $3,599Premises and equipment expense
  • $8,570Additional noninterest expense
  • $12,192Pre-tax net operating income
  • $1,365Securities gains (losses)
  • $3,026Applicable income taxes
  • $10,531Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,531Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3,948Sale, conversion, retirement of capital stock, net
  • $11,720Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.40%Yield on earning assets
  • 2.80%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 12.55%Return on equity (ROE)
  • -1.42%Retained earnings to average equity (YTD only)
  • 0.64%Net charge-offs to loans
  • 99.54%Credit loss provision to net charge-offs
  • 4.08%Efficiency ratio
  • 60,749Assets per employee
  • 3.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 111.29%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 136.50%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.80%Net loans and leases to deposits
  • 101.40%Net loans and leases to core deposits
  • 113.02%Equity capital to assets
  • 7.82%Core capital (leverage) ratio
  • 7.06%Tier 1 risk-based capital ratio
  • 10.20%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $1,011,091Average earning assets
  • $83,909Average equity
  • $927,800Average loans

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