People's State Bank of Wyalusing, Pennsylvania in Wyalusing, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

People's State Bank of Wyalusing, Pennsylvania - Overview

  • General
  • FDIC Certificate #: 444
    Status: Active
    Federal Reserve ID: 597313
    Bank Holding Company (Regulatory Top Holder): Peoples Ltd. (RSSDID: 1143959, Location: Wyalusing, PA)
    Date Established: November 25, 1914
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 9808
    FDIC's unique #: 341
    Numeric code: 21
    Regulator: FDIC
    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: Febuary 13, 2012
    Last Structure Change Process Date: Febuary 13, 2012
    Last Data Update: Febuary 13, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: Route 6 East, Wyalusing, PA 18853
    County: Bradford
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Core Based Statistical Area (CBSA): Sayre, PA (#42380)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $236.1 mil
    Equity capital: $19.6 mil
    Deposits held in domestic offices: $206.4 mil
    Return on assets (ROA): 0.66% ($1.6 mil)
    Quarterly return on assets: 1.22% ($2.9 mil)
    Return on Equity (ROE): 8.44% ($1.7 mil)
    Quarterly return on equity: 15.05% ($3.0 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.83% ($1,959.9 mil)
    Quarterly Pretax return on assets: 1.47% ($3,471.2 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
  • 82Total employees (full-time equivalent)
  • $236,137Total assets
  • $26,999Cash and due from depository institutions
  • $23,807Interest-bearing balances
  • $49,680Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $145,201Net loans & leases
  • $4,747Loan loss allowance
  • $0Trading account assets
  • $3,663Bank premises and fixed assets
  • $476Other real estate owned
  • $0Goodwill and other intangibles
  • $236,137Life insurance assets
  • $10,118All other assets
  • $216,526Total liabilities and capital
  • $206,447Total liabilities
  • $152,410Total deposits
  • $206,447Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,047Trading liabilities
  • $0Other borrowed funds
  • $2,032Subordinated debt
  • $19,611All other liabilities
  • $19,611Total equity capital
  • $19,611Total bank equity capital
  • $0Perpetual preferred stock
  • $213Common stock
  • $7,192Surplus
  • $12,206Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,605Income earned, not collected on loans
  • $0Earning assets
  • $725Long-term assets (5+ years)
  • $218,688Average Assets, year-to-date
  • $108,551Average Assets, quarterly
  • $238,379Volatile liabilities
  • $239,297Insider loans
  • $157,008FHLB advances
  • $239,006Loans and leases held for sale
  • $4,664Unused loan commitments
  • $3,836Tier 1 (core) risk-based capital
  • $18,902Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $828Total unused commitments
  • $25,797Restructured Loans and leases
  • $7,932Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,064Total interest income
  • $2,209Total interest expense
  • $8,855Net interest income
  • $780Provision for loan and lease losses
  • $2,589Total noninterest income
  • $0Fiduciary activities
  • $567Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,022Additional noninterest income
  • $8,674Total noninterest expense
  • $4,409Salaries and employee benefits
  • $1,110Premises and equipment expense
  • $3,155Additional noninterest expense
  • $1,990Pre-tax net operating income
  • $0Securities gains (losses)
  • $424Applicable income taxes
  • $1,566Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,566Net income attributable to bank
  • $0Net charge-offs
  • $1,566Cash dividends
  • $585Sale, conversion, retirement of capital stock, net
  • $216Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.02%Net interest margin
  • 1.18%Noninterest income to earning assets
  • 3.94%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 8.44%Return on equity (ROE)
  • 7.28%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 133.33%Credit loss provision to net charge-offs
  • 4.74%Efficiency ratio
  • 75,795Assets per employee
  • 2.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.79%Loss allowance to loans
  • 3.17%Loss allowance to noncurrent loans
  • 103.08%Noncurrent assets plus other real estate owned to assets
  • 2.15%Noncurrent loans to loans
  • 3.07%Net loans and leases to deposits
  • 70.33%Net loans and leases to core deposits
  • 72.44%Equity capital to assets
  • 8.30%Core capital (leverage) ratio
  • 7.91%Tier 1 risk-based capital ratio
  • 12.04%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $238,379Average earning assets
  • $18,548Average equity
  • $220,222Average loans

List of branches

  • 8 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0341People's State Bank Of Wyalusing, PennsylvaniaRoute 6 East, Wyalusing, PA 18853November 25, 1914Full Service Brick and Mortar
    2181645Bradford Town Shpg Ctr BranchRoute 6, Wysox Township, PA 18854October 18, 1993Full Service Brick and Mortar
    4215671Eagles Mere BranchEagles Mere Avenue, Eagles Mere, PA 17731July 08, 1970Full Service Brick and Mortar
    5216582Ulster Branch111 Main Street, Ulster, PA 18850August 16, 1966Full Service Brick and Mortar
    7364401Dushore Branch202 S. Turnpike Street, Dushore, PA 18614July 02, 2001Full Service Brick and Mortar
    8446985Factoryville Branch118 College Avenue, Factoryville, PA 18419October 17, 2005Full Service Brick and Mortar
    9458363Sayre Branch205 W. Lockhart Street, Sayre, PA 18840October 25, 2006Full Service Brick and Mortar
    10478385North Towanda3 Colonial Drive (Colonial Drive And Edward Road), Towanda, PA 18848June 30, 2008Full Service Brick and Mortar

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