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

This bank is inactive as of August 18, 2011

  • Public Savings Bank in Huntingdon Valley, Pennsylvania (PA)
  • Show street view No street view available for this location

Public Savings Bank - Overview

  • General
  • FDIC Certificate #: 34130
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Capital Bank, National Association (#35278)
    Federal Reserve ID: 476276
    Date Established: January 01, 1984
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 56273
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: Febuary 12, 1996
    Last Structure Change Effective Date: August 18, 2011
    Last Structure Change Process Date: August 19, 2011
    Last Data Update: August 19, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2755 Philmont Avenue, 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)
  • Financial Summary
  • Total assets: $46.8 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, 2010)

  • Dollar figures in thousands
  • 35Total employees (full-time equivalent)
  • $48,029Total assets
  • $4,077Cash and due from depository institutions
  • $3,014Interest-bearing balances
  • $1,872Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $37,286Net loans & leases
  • $846Loan loss allowance
  • $0Trading account assets
  • $488Bank premises and fixed assets
  • $2,363Other real estate owned
  • $870Goodwill and other intangibles
  • $0Life insurance assets
  • $1,073All other assets
  • $48,029Total liabilities and capital
  • $45,677Total liabilities
  • $45,393Total deposits
  • $26,964Interest-bearing deposits
  • $45,393Deposits held in domestic offices
  • 90.64%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $284All other liabilities
  • $2,352Total equity capital
  • $2,352Total bank equity capital
  • $2,352Perpetual preferred stock
  • $0Common stock
  • $4,765Surplus
  • $0Undivided profits
  • Memoranda
  • $-2,413Noncurrent loans and leases
  • $5,798Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,034Earning assets
  • $0Long-term assets (5+ years)
  • $211Average Assets, year-to-date
  • $42,172Average Assets, quarterly
  • $4,886Volatile liabilities
  • $51,262Insider loans
  • $50,461FHLB advances
  • $8,111Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $138Total risk weighted assets
  • $5,798Total unused commitments
  • $2,105Restructured Loans and leases
  • $470Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $2,677Total interest income
  • $712Total interest expense
  • $1,965Net interest income
  • $907Provision for loan and lease losses
  • $2,354Total noninterest income
  • $0Fiduciary activities
  • $353Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,001Additional noninterest income
  • $5,577Total noninterest expense
  • $2,385Salaries and employee benefits
  • $238Premises and equipment expense
  • $2,954Additional noninterest expense
  • -$2,165Pre-tax net operating income
  • $0Securities gains (losses)
  • $175Applicable income taxes
  • -$2,340Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,340Net income attributable to bank
  • $0Net charge-offs
  • -$2,340Cash dividends
  • $429Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.34%Yield on earning assets
  • 1.69%Cost of funding earning assets
  • 4.65%Net interest margin
  • 5.57%Noninterest income to earning assets
  • 13.20%Noninterest expense to earning assets
  • -4.56%Net operating income to assets
  • -4.56%Return on assets (ROA)
  • -4.22%Pretax return on assets
  • -58.51%Return on equity (ROE)
  • -58.51%Retained earnings to average equity (YTD only)
  • 1.12%Net charge-offs to loans
  • 211.42%Credit loss provision to net charge-offs
  • -2.93%Efficiency ratio
  • 129,127Assets per employee
  • 1.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.22%Loss allowance to noncurrent loans
  • 27.88%Noncurrent assets plus other real estate owned to assets
  • 11.24%Noncurrent loans to loans
  • 7.96%Net loans and leases to deposits
  • 82.14%Net loans and leases to core deposits
  • 100.01%Equity capital to assets
  • 4.90%Core capital (leverage) ratio
  • 2.99%Tier 1 risk-based capital ratio
  • 3.93%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $51,262Average earning assets
  • $4,000Average equity
  • $42,247Average loans

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