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)
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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

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