Phoenixville Federal Bank and Trust in Phoenixville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Phoenixville Federal Bank and Trust in Phoenixville, Pennsylvania (PA)
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Phoenixville Federal Bank and Trust - Overview

  • General
  • FDIC Certificate #: 29995
    Status: Active
    Federal Reserve ID: 824671
    Date Established: January 01, 1911
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 4504
    FDIC's unique #: 42829
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 12, 1940
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 564 Nutt Road, Phoenixville, PA 19460
    County: Chester
    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
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $406.1 mil
    Equity capital: $43.8 mil
    Deposits held in domestic offices: $359.0 mil
    Return on assets (ROA): 0.85% ($3.5 mil)
    Quarterly return on assets: 0.69% ($2.8 mil)
    Return on Equity (ROE): 8.23% ($3.6 mil)
    Quarterly return on equity: 6.42% ($2.8 mil)
    Net income: $3.5 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.29% ($5,238.7 mil)
    Quarterly Pretax return on assets: 1.09% ($4,426.5 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
  • 90Total employees (full-time equivalent)
  • $406,103Total assets
  • $50,587Cash and due from depository institutions
  • $45,482Interest-bearing balances
  • $45,871Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $281,942Net loans & leases
  • $4,739Loan loss allowance
  • $0Trading account assets
  • $9,140Bank premises and fixed assets
  • $746Other real estate owned
  • $26Goodwill and other intangibles
  • $406,103Life insurance assets
  • $17,791All other assets
  • $362,341Total liabilities and capital
  • $358,988Total liabilities
  • $340,243Total deposits
  • $358,988Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,353Subordinated debt
  • $43,762All other liabilities
  • $43,762Total equity capital
  • $43,762Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $43,762Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,706Income earned, not collected on loans
  • $0Earning assets
  • $1,500Long-term assets (5+ years)
  • $373,295Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $407,978Volatile liabilities
  • $403,423Insider loans
  • $250,902FHLB advances
  • $404,113Loans and leases held for sale
  • $9,836Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $42,650Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,436Restructured Loans and leases
  • $7,982Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,451Total interest income
  • $3,647Total interest expense
  • $14,804Net interest income
  • $297Provision for loan and lease losses
  • $2,130Total noninterest income
  • $0Fiduciary activities
  • $580Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,550Additional noninterest income
  • $11,537Total noninterest expense
  • $6,634Salaries and employee benefits
  • $1,772Premises and equipment expense
  • $3,131Additional noninterest expense
  • $5,100Pre-tax net operating income
  • $157Securities gains (losses)
  • $1,805Applicable income taxes
  • $3,452Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,452Net income attributable to bank
  • $0Net charge-offs
  • $3,452Cash dividends
  • -$761Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 8.23%Return on equity (ROE)
  • 8.23%Retained earnings to average equity (YTD only)
  • -0.26%Net charge-offs to loans
  • -39.03%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,129Assets per employee
  • 4.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 83.05%Noncurrent assets plus other real estate owned to assets
  • 1.43%Noncurrent loans to loans
  • 1.99%Net loans and leases to deposits
  • 78.54%Net loans and leases to core deposits
  • 82.34%Equity capital to assets
  • 10.78%Core capital (leverage) ratio
  • 10.55%Tier 1 risk-based capital ratio
  • 17.00%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $407,978Average earning assets
  • $41,932Average equity
  • $377,454Average 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
  • $42,872Managed Assets
  • 1Number of Accounts
  • $42,570Personal trust and agency accounts
  • $8,976Employee benefit-defined contribution accounts
  • $3,110Employee benefit-defined benefit accounts
  • $4,627Other retirement accounts
  • $7,844Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $18,013Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 132Number of Accounts
  • $0Personal trust and agency accounts
  • $7,844Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $302Other retirement accounts
  • $240Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 6 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042829Phoenixville Federal Bank And Trust564 Nutt Road, Phoenixville, PA 19460January 01, 1911Full Service Brick and Mortar
    1278123Royersford Branch70 North Lewis Rd, Royersford, PA 19468January 01, 1911Full Service Brick and Mortar
    100278124Collegeville Branch74 Second Avenue, Collegeville, PA 19426January 01, 1911Full Service Brick and Mortar
    101278125Pikeland Branch533 Kimberton Road, Kimberton, PA 19442June 30, 1988Full Service Brick and Mortar
    102492388Limerick Branch473 West Ridge Pike, Limerick, PA 19468October 27, 2007Full Service Brick and Mortar
    103522078Admin/ Lending Office Branch564 Nutt Rd, Phoenixville, PA 19460November 01, 2004Limited Service Administrative

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