Pennstar Bank, National Association in Lake Ariel, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 16, 2001

  • Pennstar Bank, National Association in Lake Ariel, Pennsylvania (PA)
  • Show street view No street view available for this location

Pennstar Bank, National Association - Overview

  • General
  • FDIC Certificate #: 7549
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: NBT Bank, National Association (#7230)
    Federal Reserve ID: 384214
    Date Established: January 01, 1910
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 39 (Interstate: No)
    OTS Docket #: 11240
    FDIC's unique #: 4899
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 16, 2001
    Last Structure Change Process Date: March 28, 2001
    Last Data Update: March 28, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: Route 191, Lake Ariel, PA 18436
    County: Wayne
    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
  • Financial Summary
  • Total assets: $1,126.1 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 249Total employees (full-time equivalent)
  • $1,126,141Total assets
  • $48,178Cash and due from depository institutions
  • $989Interest-bearing balances
  • $334,151Securities
  • $9,400Federal funds sold & reverse repurchase agreements
  • $647,151Net loans & leases
  • $8,282Loan loss allowance
  • $20,286Trading account assets
  • $22,585Bank premises and fixed assets
  • $566Other real estate owned
  • $19,475Goodwill and other intangibles
  • $0Life insurance assets
  • $24,349All other assets
  • $1,126,141Total liabilities and capital
  • $1,053,184Total liabilities
  • $826,503Total deposits
  • $691,570Interest-bearing deposits
  • $826,503Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,767Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $210,883Other borrowed funds
  • $0Subordinated debt
  • $13,031All other liabilities
  • $72,957Total equity capital
  • $72,957Total bank equity capital
  • $72,957Perpetual preferred stock
  • $0Common stock
  • $102Surplus
  • $42,357Undivided profits
  • Memoranda
  • $30,498Noncurrent loans and leases
  • $24,184Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $15,754Earning assets
  • $0Long-term assets (5+ years)
  • $2,635Average Assets, year-to-date
  • $1,011,977Average Assets, quarterly
  • $623,831Volatile liabilities
  • $1,037,427Insider loans
  • $1,089,313FHLB advances
  • $130,576Loans and leases held for sale
  • $3,094Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,651Total risk weighted assets
  • $24,184Total unused commitments
  • $511Restructured Loans and leases
  • $8,282Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $72,209Total interest income
  • $41,406Total interest expense
  • $30,803Net interest income
  • $3,825Provision for loan and lease losses
  • $5,375Total noninterest income
  • $0Fiduciary activities
  • $3,516Service charges on deposit accounts
  • -$1,386Trading account gains & fees
  • $3,245Additional noninterest income
  • $31,399Total noninterest expense
  • $11,708Salaries and employee benefits
  • $5,027Premises and equipment expense
  • $14,664Additional noninterest expense
  • $954Pre-tax net operating income
  • $1Securities gains (losses)
  • -$466Applicable income taxes
  • $1,421Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,421Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,806Sale, conversion, retirement of capital stock, net
  • $3,145Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.63%Yield on earning assets
  • 4.38%Cost of funding earning assets
  • 3.26%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 0.14%Net operating income to assets
  • 0.14%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 2.11%Return on equity (ROE)
  • -2.56%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 211.79%Credit loss provision to net charge-offs
  • 2.65%Efficiency ratio
  • 84,778Assets per employee
  • 4.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 221.32%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 52.57%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 2.40%Net loans and leases to deposits
  • 78.30%Net loans and leases to core deposits
  • 91.03%Equity capital to assets
  • 6.48%Core capital (leverage) ratio
  • 5.12%Tier 1 risk-based capital ratio
  • 7.80%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $1,037,427Average earning assets
  • $67,302Average equity
  • $946,227Average loans

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

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