Polonia Bank in Huntingdon Valley, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Polonia Bank in Huntingdon Valley, Pennsylvania (PA)
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Polonia Bank - Overview

  • General
  • FDIC Certificate #: 29282
    Status: Active
    Federal Reserve ID: 229874
    Date Established: January 01, 1923
    WWW: http://www.poloniabank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 3218
    FDIC's unique #: 42116
    Numeric code: 37
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 11, 1968
    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: 3993 Huntingdon Pike, Huntingdon Valley, PA 19006
    County: Montgomery
    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: $265.5 mil
    Equity capital: $27.7 mil
    Deposits held in domestic offices: $204.2 mil
    Return on assets (ROA): 0.29% ($0.8 mil)
    Quarterly return on assets: 0.29% ($0.8 mil)
    Return on Equity (ROE): 2.96% ($0.8 mil)
    Quarterly return on equity: 2.84% ($0.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.36% ($955.9 mil)
    Quarterly Pretax return on assets: 0.29% ($770.0 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
  • 64Total employees (full-time equivalent)
  • $265,533Total assets
  • $17,416Cash and due from depository institutions
  • $15,046Interest-bearing balances
  • $73,946Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $153,636Net loans & leases
  • $1,278Loan loss allowance
  • $0Trading account assets
  • $5,086Bank premises and fixed assets
  • $83Other real estate owned
  • $279Goodwill and other intangibles
  • $265,533Life insurance assets
  • $15,087All other assets
  • $237,819Total liabilities and capital
  • $204,163Total liabilities
  • $197,510Total deposits
  • $204,163Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $31,091Trading liabilities
  • $0Other borrowed funds
  • $2,565Subordinated debt
  • $27,714All other liabilities
  • $27,714Total equity capital
  • $27,714Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $11,467Surplus
  • $16,246Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,422Income earned, not collected on loans
  • $214Earning assets
  • $971Long-term assets (5+ years)
  • $242,628Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $278,798Volatile liabilities
  • $267,974Insider loans
  • $132,008FHLB advances
  • $265,073Loans and leases held for sale
  • $4,200Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,410Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,768Restructured Loans and leases
  • $3,035Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,757Total interest income
  • $3,387Total interest expense
  • $8,370Net interest income
  • $440Provision for loan and lease losses
  • $1,233Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,233Additional noninterest income
  • $8,413Total noninterest expense
  • $4,880Salaries and employee benefits
  • $1,898Premises and equipment expense
  • $1,635Additional noninterest expense
  • $750Pre-tax net operating income
  • $253Securities gains (losses)
  • $191Applicable income taxes
  • $812Income before extraordinary items
  • $0Extraordinary gains - net
  • $812Net income attributable to bank
  • $0Net charge-offs
  • $812Cash dividends
  • -$17Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 0.22%Net operating income to assets
  • 0.29%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 2.96%Return on equity (ROE)
  • 2.96%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -2588.24%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 87,608Assets per employee
  • 4.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.82%Loss allowance to noncurrent loans
  • 52.77%Noncurrent assets plus other real estate owned to assets
  • 0.94%Noncurrent loans to loans
  • 1.56%Net loans and leases to deposits
  • 75.25%Net loans and leases to core deposits
  • 76.59%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 10.34%Tier 1 risk-based capital ratio
  • 20.76%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $278,798Average earning assets
  • $27,438Average equity
  • $255,107Average loans

List of branches

  • 7 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042116Polonia Bank3993 Huntingdon Pike, Huntingdon Valley, PA 19006January 01, 1923Full Service Brick and Mortar
    1274198Spring Garden Street Branch2133 Spring Garden Street, Philadelphia, PA 19130January 01, 1923Full Service Brick and Mortar
    101274199Frankford Ave Branch8000 Frankford Ave, Philadelphia, PA 19136September 13, 1993Full Service Brick and Mortar
    104455358East Allegheny Avenue Branch2646 East Allegheny Ave, Philadelphia, PA 19134June 01, 2000Full Service Brick and Mortar
    10639106Pulaski Branch2352 Orthodox Street, Philadelphia, PA 19137January 01, 1901Full Service Brick and Mortar
    107429741Richmond Street Branch4800 Richmond Street, Philadelphia, PA 19137December 31, 2001Full Service Brick and Mortar
    108460035Torresdale Branch8910 Frankford Avenue, Philadelphia, PA 19136November 01, 2006Full Service Brick and Mortar

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