Pocono Community Bank in Stroudsburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 01, 2007

  • Pocono Community Bank in Stroudsburg, Pennsylvania (PA)
  • Show street view No street view available for this location

Pocono Community Bank - Overview

  • General
  • FDIC Certificate #: 34509
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: First Keystone Community Bank (#7404)
    Federal Reserve ID: 2515441
    Date Established: November 21, 1997
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 57787
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 21, 1997
    Last Structure Change Effective Date: November 01, 2007
    Last Structure Change Process Date: November 20, 2007
    Last Data Update: November 20, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 559 Main Street, Stroudsburg, PA 18360
    County: Monroe
    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
    Core Based Statistical Area (CBSA): East Stroudsburg, PA (#20700)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $127.4 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, 2006)

  • Dollar figures in thousands
  • 37Total employees (full-time equivalent)
  • $138,528Total assets
  • $9,561Cash and due from depository institutions
  • $5,993Interest-bearing balances
  • $15,879Securities
  • $6,022Federal funds sold & reverse repurchase agreements
  • $99,121Net loans & leases
  • $1,231Loan loss allowance
  • $0Trading account assets
  • $2,681Bank premises and fixed assets
  • $0Other real estate owned
  • $65Goodwill and other intangibles
  • $2,860Life insurance assets
  • $5,199All other assets
  • $138,528Total liabilities and capital
  • $124,173Total liabilities
  • $113,780Total deposits
  • $96,500Interest-bearing deposits
  • $113,780Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,832Other borrowed funds
  • $0Subordinated debt
  • $561All other liabilities
  • $14,355Total equity capital
  • $14,355Total bank equity capital
  • $14,355Perpetual preferred stock
  • $0Common stock
  • $4,211Surplus
  • $6,176Undivided profits
  • Memoranda
  • $3,968Noncurrent loans and leases
  • $14,832Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $123Earning assets
  • $0Long-term assets (5+ years)
  • $549Average Assets, year-to-date
  • $127,015Average Assets, quarterly
  • $50,935Volatile liabilities
  • $130,884Insider loans
  • $133,495FHLB advances
  • $27,088Loans and leases held for sale
  • $6,979Unused loan commitments
  • $9,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $14,832Total unused commitments
  • $0Restructured Loans and leases
  • $1,231Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $7,200Total interest income
  • $3,032Total interest expense
  • $4,168Net interest income
  • $80Provision for loan and lease losses
  • $513Total noninterest income
  • $0Fiduciary activities
  • $242Service charges on deposit accounts
  • $0Trading account gains & fees
  • $271Additional noninterest income
  • $3,215Total noninterest expense
  • $1,668Salaries and employee benefits
  • $434Premises and equipment expense
  • $1,113Additional noninterest expense
  • $1,386Pre-tax net operating income
  • $0Securities gains (losses)
  • $381Applicable income taxes
  • $1,005Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,005Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.02%Yield on earning assets
  • 2.54%Cost of funding earning assets
  • 3.48%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 7.33%Return on equity (ROE)
  • 7.33%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 800.00%Credit loss provision to net charge-offs
  • 146.60%Efficiency ratio
  • 68,682Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 1000.81%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.12%Net loans and leases to deposits
  • 87.12%Net loans and leases to core deposits
  • 114.34%Equity capital to assets
  • 10.36%Core capital (leverage) ratio
  • 11.09%Tier 1 risk-based capital ratio
  • 14.10%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $130,884Average earning assets
  • $13,710Average equity
  • $119,605Average loans

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