Peoples Neighborhood Bank in Hallstead, Pennsylvania (PA), NY
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Neighborhood Bank - Overview

  • General
  • FDIC Certificate #: 7514
    Status: Active
    Federal Reserve ID: 278818
    Bank Holding Company (Regulatory Top Holder): Peoples Financial Services Corp. (RSSDID: 1139541, Location: Hallstead, PA)
    Date Established: January 01, 1905
    WWW: http://www.peoplesnatbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: Yes)
    OTS Docket #: 9249
    FDIC's unique #: 4876
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 13, 2010
    Last Structure Change Process Date: January 20, 2011
    Last Data Update: January 20, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 82 Franklin Avenue, Hallstead, PA 18822
    County: Susquehanna
    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
  • History of Changes
  • Name Change
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $620.8 mil
    Equity capital: $51.2 mil
    Deposits held in domestic offices: $494.3 mil
    Return on assets (ROA): 1.30% ($8.1 mil)
    Quarterly return on assets: 1.16% ($7.2 mil)
    Return on Equity (ROE): 16.44% ($8.4 mil)
    Quarterly return on equity: 14.10% ($7.2 mil)
    Net income: $7.7 mil
    Quarterly Net income: $1.8 mil
    Pretax return on assets: 1.72% ($10,678.1 mil)
    Quarterly Pretax return on assets: 1.52% ($9,436.4 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, 2011)

  • Dollar figures in thousands
  • 135Total employees (full-time equivalent)
  • $620,819Total assets
  • $10,794Cash and due from depository institutions
  • $1,761Interest-bearing balances
  • $139,332Securities
  • $9Federal funds sold & reverse repurchase agreements
  • $440,324Net loans & leases
  • $5,349Loan loss allowance
  • $0Trading account assets
  • $7,915Bank premises and fixed assets
  • $399Other real estate owned
  • $989Goodwill and other intangibles
  • $620,819Life insurance assets
  • $21,057All other assets
  • $564,176Total liabilities and capital
  • $494,286Total liabilities
  • $421,324Total deposits
  • $494,286Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $62,718Trading liabilities
  • $0Other borrowed funds
  • $7,172Subordinated debt
  • $56,643All other liabilities
  • $51,159Total equity capital
  • $51,159Total bank equity capital
  • $0Perpetual preferred stock
  • $1,485Common stock
  • $1,749Surplus
  • $47,925Undivided profits
  • Memoranda
  • $5,484Noncurrent loans and leases
  • $570Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,617Income earned, not collected on loans
  • $0Earning assets
  • $3,448Long-term assets (5+ years)
  • $581,426Average Assets, year-to-date
  • $286,973Average Assets, quarterly
  • $588,750Volatile liabilities
  • $615,138Insider loans
  • $477,257FHLB advances
  • $609,461Loans and leases held for sale
  • $10,725Unused loan commitments
  • $5,755Tier 1 (core) risk-based capital
  • $52,242Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,970Total unused commitments
  • $52,749Restructured Loans and leases
  • $3,464Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,540Total interest income
  • $5,762Total interest expense
  • $21,778Net interest income
  • $1,794Provision for loan and lease losses
  • $5,160Total noninterest income
  • $0Fiduciary activities
  • $1,233Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,927Additional noninterest income
  • $15,011Total noninterest expense
  • $6,351Salaries and employee benefits
  • $1,617Premises and equipment expense
  • $7,043Additional noninterest expense
  • $10,133Pre-tax net operating income
  • -$17Securities gains (losses)
  • $2,435Applicable income taxes
  • $7,681Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,666Net income attributable to bank
  • $15Net charge-offs
  • $7,681Cash dividends
  • $545Sale, conversion, retirement of capital stock, net
  • $2,671Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.72%Pretax return on assets
  • 16.44%Return on equity (ROE)
  • 10.71%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 329.17%Credit loss provision to net charge-offs
  • 21.88%Efficiency ratio
  • 54,362Assets per employee
  • 4.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.84%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 62.07%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 1.93%Net loans and leases to deposits
  • 89.08%Net loans and leases to core deposits
  • 90.75%Equity capital to assets
  • 8.24%Core capital (leverage) ratio
  • 8.57%Tier 1 risk-based capital ratio
  • 10.95%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $588,750Average earning assets
  • $46,642Average equity
  • $549,160Average loans

List of branches

  • 3 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    12418799Conklin Branch1026 Conklin Road, Conklin, NY 13748March 17, 2003Full Service Brick and Mortar
    14440474Deposit Branch108 Second Street, Deposit, NY 13754April 18, 2005Full Service Brick and Mortar
    15441979Front Street Branch1229 Front Street, Binghamton, NY 13905June 06, 2005Full Service Brick and Mortar
  • 9 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04876Peoples Neighborhood Bank82 Franklin Avenue, Hallstead, PA 18822January 01, 1905Full Service Brick and Mortar
    1215752Hop Bottom BranchMain Street, Hop Bottom, PA 18824Febuary 22, 1965Full Service Brick and Mortar
    2215753Plaza BranchRoutes 11 And 171, Great Bend Township, PA 18822January 30, 1971Full Service Brick and Mortar
    3215754Susquehanna Branch215 Erie Boulevard, Susquehanna, PA 18847October 17, 1974Full Service Brick and Mortar
    4215755Montrose Branch99 Grow Avenue, Montrose, PA 18801November 12, 1986Full Service Brick and Mortar
    5215756Nicholson Branch42-48 State Street, Nicholson, PA 18446December 14, 1992Full Service Brick and Mortar
    75021Tunkhannock Branch83 East Tioga Street, Tunkhannock, PA 18657October 15, 1902Full Service Brick and Mortar
    84933Meshoppen BranchU.S. Route 6, Meshoppen, PA 18630June 15, 1900Full Service Brick and Mortar
    16493106Glenburn Branch1105 Gravel Pond Road, Clarks Summit, PA 18411October 02, 2008Full Service Brick and Mortar

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