PeoplesBank, a Codorus Valley Company in Glen Rock, Pennsylvania (PA), MD
Overview, Financial Summary, Detailed Financial Reports, Branches


  • PeoplesBank, a Codorus Valley Company in Glen Rock, Pennsylvania (PA), MD
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PeoplesBank, a Codorus Valley Company - Overview

  • General
  • FDIC Certificate #: 13879
    Status: Active
    Federal Reserve ID: 556815
    Bank Holding Company (Regulatory Top Holder): Codorus Valley Bancorp, Inc. (RSSDID: 1142475, Location: York, PA)
    Date Established: January 25, 1934
    WWW: http://www.peoplesbanknet.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 24 (Domestic: 24, Interstate: Yes)
    OTS Docket #: 10161
    FDIC's unique #: 8677
    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: Febuary 10, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1 Manchester Street, Glen Rock, PA 17327
    County: York
    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
    Metropolitan Statistical Area (MSA): York, PA (#9280)
    Combined Statistical Area (CSA): York-Hanover-Gettysburg, PA (#564)
    Core Based Statistical Area (CBSA): York-Hanover, PA (#49620)
    CBSA Metro Statistical Area: York-Hanover, PA (#49620)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,009.1 mil
    Equity capital: $100.2 mil
    Deposits held in domestic offices: $855.8 mil
    Return on assets (ROA): 0.75% ($7.6 mil)
    Quarterly return on assets: 1.20% ($12.1 mil)
    Return on Equity (ROE): 8.10% ($8.1 mil)
    Quarterly return on equity: 12.17% ($12.2 mil)
    Net income: $7.4 mil
    Quarterly Net income: $3.0 mil
    Pretax return on assets: 0.95% ($9,586.2 mil)
    Quarterly Pretax return on assets: 1.62% ($16,347.0 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
  • 203Total employees (full-time equivalent)
  • $1,009,073Total assets
  • $32,199Cash and due from depository institutions
  • $19,639Interest-bearing balances
  • $233,861Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $689,000Net loans & leases
  • $8,702Loan loss allowance
  • $0Trading account assets
  • $7,023Bank premises and fixed assets
  • $15,702Other real estate owned
  • $190Goodwill and other intangibles
  • $1,009,073Life insurance assets
  • $31,098All other assets
  • $908,903Total liabilities and capital
  • $855,778Total liabilities
  • $780,639Total deposits
  • $855,778Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 10257.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $36,319Trading liabilities
  • $0Other borrowed funds
  • $6,549Subordinated debt
  • $100,170All other liabilities
  • $100,170Total equity capital
  • $100,170Total bank equity capital
  • $0Perpetual preferred stock
  • $2,282Common stock
  • $40,684Surplus
  • $57,204Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,869Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,700Income earned, not collected on loans
  • $1,283Earning assets
  • $3,652Long-term assets (5+ years)
  • $942,500Average Assets, year-to-date
  • $344,952Average Assets, quarterly
  • $981,554Volatile liabilities
  • $1,010,103Insider loans
  • $724,375FHLB advances
  • $1,005,977Loans and leases held for sale
  • $14,815Unused loan commitments
  • $10,112Tier 1 (core) risk-based capital
  • $94,056Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,703Total unused commitments
  • $154,691Restructured Loans and leases
  • $5,403Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $45,509Total interest income
  • $12,150Total interest expense
  • $33,359Net interest income
  • $4,935Provision for loan and lease losses
  • $7,607Total noninterest income
  • $1,510Fiduciary activities
  • $1,415Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,682Additional noninterest income
  • $26,847Total noninterest expense
  • $13,748Salaries and employee benefits
  • $3,330Premises and equipment expense
  • $9,769Additional noninterest expense
  • $9,184Pre-tax net operating income
  • $125Securities gains (losses)
  • $1,927Applicable income taxes
  • $7,382Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,382Net income attributable to bank
  • $0Net charge-offs
  • $7,382Cash dividends
  • $3,859Sale, conversion, retirement of capital stock, net
  • $2,514Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 1.32%Cost of funding earning assets
  • 3.63%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 8.10%Return on equity (ROE)
  • 5.34%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 127.88%Credit loss provision to net charge-offs
  • 3.66%Efficiency ratio
  • 65,303Assets per employee
  • 4.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.06%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 74.38%Noncurrent assets plus other real estate owned to assets
  • 2.72%Noncurrent loans to loans
  • 1.68%Net loans and leases to deposits
  • 80.51%Net loans and leases to core deposits
  • 86.35%Equity capital to assets
  • 9.93%Core capital (leverage) ratio
  • 9.35%Tier 1 risk-based capital ratio
  • 12.98%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $981,554Average earning assets
  • $91,166Average equity
  • $918,061Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $135,708Managed Assets
  • 1Number of Accounts
  • $133,943Personal trust and agency accounts
  • $101,746Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $6,995Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $24,428Other fiduciary accounts
  • $774Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 476Number of Accounts
  • $0Personal trust and agency accounts
  • $6,995Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,765Other retirement accounts
  • $1,621Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    17472707Executive Plaza Branch11350 Mccormick Road, Suite 101, Hunt Valley, MD 21031January 28, 2008Full Service Brick and Mortar
    19486580Bel Air Financial Center124 North Main Street, Bel Air, MD 21014November 18, 2008Full Service Brick and Mortar
    24522172535 Old Westminster Pike/WestminsterWestminster Business Banking Center, Westminster, MD 21157August 15, 2011Full Service Brick and Mortar
  • 21 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08677Peoplesbank, A Codorus Valley Company1 Manchester Street, Glen Rock, PA 17327January 25, 1934Full Service Brick and Mortar
    1230580Jefferson Branch6 Baltimore Street, Codorus, PA 17311Febuary 18, 1963Full Service Brick and Mortar
    2230581Jacobus BranchOne North Main, Jacobus, PA 17407September 03, 1957Full Service Brick and Mortar
    3230582York New Salem Branch320 N Main St, York New Salem, PA 17371December 07, 1970Full Service Brick and Mortar
    4230583Leader Heights Branch109 Leader Heights Road, York, PA 17403November 25, 1986Full Service Brick and Mortar
    5230584Cape Horn Branch2587 Cape Horn Road, Red Lion, PA 17356June 22, 1993Full Service Brick and Mortar
    6230585Stewartstown Branch2 Ballast Lane, Stewartstown, PA 17363April 12, 1994Full Service Brick and Mortar
    7230586East York Branch2410 Eastern Boulevard, York, PA 17402April 22, 1997Full Service Brick and Mortar
    8359421South Hanover Branch1400 Baltimore Street, Hanover, PA 17331Febuary 01, 2001Full Service Brick and Mortar
    9362423East Market Street Branch48 East Market Street, York, PA 17401September 11, 2001Full Service Brick and Mortar
    10419485West Philadelphia Street Branch221 West Philadelphia Street, York, PA 17401December 10, 2002Full Service Brick and Mortar
    114324242510 Delta Road - The Brogue Center2510 Delta Road, Brogue, PA 17309October 04, 2004Full Service Brick and Mortar
    12438858Carlisle Road Branch1477 Carlisle Road, York, PA 17408Febuary 23, 2005Full Service Brick and Mortar
    13439694New Freedom Branch26 East Main Street, New Freedom, PA 17349March 21, 2005Full Service Brick and Mortar
    144401071920 Trolley Road - Country Meadows1920 Trolley Road, York, PA 17404April 30, 1995Limited Service Facility
    15440731Country Meadows Retirement Community2760 Pine Grove Road, York, PA 17403September 30, 1994Limited Service Facility
    16458365Shrewsbury Lutheran Retirement Villa800 Bollinger Drive, Shrewsbury, PA 17361December 05, 2006Limited Service Facility
    18482956North Hanover Financial Center65 Eisenhower Drive, Hanover, PA 17331September 02, 2008Full Service Brick and Mortar
    21510742Senior Commons At Powder Mill Branch1775 Powder Mill Road, York, PA 17403November 18, 2009Limited Service Facility
    22510743Autumn House East Branch2618 East Market Street, York, PA 17402April 19, 2010Limited Service Facility
    23510744Normandie Ridge Branch1700 Normandie Drive, York, PA 17408November 12, 2009Limited Service Facility

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