People's State Bank of Wyalusing, Pennsylvania in Wyalusing, Pennsylvania (PA)



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People's State Bank of Wyalusing, Pennsylvania routing number info

Table of contents:
People's State Bank of Wyalusing, Pennsylvania
GeneralFDIC 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
WWW: http://www.peoplesbankpa.com
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)82
Total assets$236,137
Cash and due from depository institutions$26,999
Interest-bearing balances$23,807
Securities$49,680
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$145,201
Loan loss allowance $4,747
Trading account assets$0
Bank premises and fixed assets$3,663
Other real estate owned$476
Goodwill and other intangibles$0
All other assets$10,118
Life insurance assets$236,137
Total liabilities and capital$216,526
Total liabilities$206,447
Total deposits$152,410
Interest-bearing deposits$206,447
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$8,047
Other borrowed funds $0
Subordinated debt $2,032
All other liabilities $19,611
Total equity capital$19,611
Total bank equity capital$19,611
Perpetual preferred stock$0
Common stock$213
Surplus$7,192
Undivided profits $12,206
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,605
Earning assets $0
Long-term assets (5+ years) $725
Average Assets, year-to-date $218,688
Average Assets, quarterly $108,551
Volatile liabilities $238,379
Insider loans $239,297
FHLB advances $157,008
Loans and leases held for sale $239,006
Unused loan commitments $4,664
Tier 1 (core) risk-based capital $3,836
Tier 2 risk-based capital $18,902
Total risk weighted assets $0
Total unused commitments $828
Restructured Loans and leases $25,797
Derivatives$7,932
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,064
Total interest expense $2,209
Net interest income $8,855
Provision for loan and lease losses $780
Total noninterest income $2,589
Fiduciary activities $0
Service charges on deposit accounts $567
Trading account gains & fees $0
Additional noninterest income $2,022
Total noninterest expense $8,674
Salaries and employee benefits $4,409
Premises and equipment expense $1,110
Additional noninterest expense $3,155
Pre-tax net operating income $1,990
Securities gains (losses) $0
Applicable income taxes $424
Income before extraordinary items $1,566
Extraordinary gains - net $0
Net income attributable to bank $1,566
Net charge-offs $0
Cash dividends $1,566
Sale, conversion, retirement of capital stock, net $585
Net operating income $216
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.02%
Cost of funding earning assets 1.00%
Net interest margin 4.02%
Noninterest income to earning assets 1.18%
Noninterest expense to earning assets 3.94%
Net operating income to assets 0.66%
Return on assets (ROA) 0.66%
Pretax return on assets 0.83%
Return on equity (ROE) 8.44%
Retained earnings to average equity (YTD only) 7.28%
Net charge-offs to loans 0.38%
Credit loss provision to net charge-offs 133.33%
Efficiency ratio4.74%
Assets per employee$75,795
Cash dividends to net income (YTD only)2.88%
Condition Ratios (%)
Loss allowance to loans 13.79%
Loss allowance to noncurrent loans 3.17%
Noncurrent assets plus other real estate owned to assets 103.08%
Noncurrent loans to loans 2.15%
Net loans and leases to deposits3.07%
Net loans and leases to core deposits 70.33%
Equity capital to assets 72.44%
Core capital (leverage) ratio 8.30%
Tier 1 risk-based capital ratio 7.91%
Total risk-based capital ratio 12.04%
Memoranda
Average assets$13
Average earning assets$238,379
Average equity $18,548
Average loans $220,222
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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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