Quaint Oak Bank in Southampton, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Quaint Oak Bank in Southampton, Pennsylvania (PA)
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Quaint Oak Bank - Overview

  • General
  • FDIC Certificate #: 35497
    Status: Active
    Federal Reserve ID: 815277
    Date Established: January 01, 1926
    WWW: http://www.quaintoak.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 80582
    Numeric code: 41
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 2000
    Last Structure Change Effective Date: March 23, 2012
    Last Structure Change Process Date: March 30, 2012
    Last Data Update: March 30, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 501 Knowles Avenue, Southampton, PA 18966
    County: Bucks
    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 Location
  • Financial Summary
  • Total assets: $107.7 mil
    Equity capital: $14.2 mil
    Deposits held in domestic offices: $89.3 mil
    Return on assets (ROA): 0.56% ($0.6 mil)
    Quarterly return on assets: 0.56% ($0.6 mil)
    Return on Equity (ROE): 4.16% ($0.6 mil)
    Quarterly return on equity: 4.28% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.92% ($990.6 mil)
    Quarterly Pretax return on assets: 0.90% ($969.1 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
  • 19Total employees (full-time equivalent)
  • $107,674Total assets
  • $18,470Cash and due from depository institutions
  • $17,861Interest-bearing balances
  • $11,377Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $75,752Net loans & leases
  • $805Loan loss allowance
  • $0Trading account assets
  • $151Bank premises and fixed assets
  • $185Other real estate owned
  • $0Goodwill and other intangibles
  • $107,674Life insurance assets
  • $1,739All other assets
  • $93,496Total liabilities and capital
  • $89,347Total liabilities
  • $88,525Total deposits
  • $89,347Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,800Trading liabilities
  • $0Other borrowed funds
  • $349Subordinated debt
  • $14,178All other liabilities
  • $14,178Total equity capital
  • $14,178Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $6,821Surplus
  • $7,357Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $413Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,329Income earned, not collected on loans
  • $0Earning assets
  • $543Long-term assets (5+ years)
  • $104,990Average Assets, year-to-date
  • $36,797Average Assets, quarterly
  • $104,207Volatile liabilities
  • $107,435Insider loans
  • $65,984FHLB advances
  • $107,508Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,222Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,200Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,567Total interest income
  • $1,888Total interest expense
  • $3,679Net interest income
  • $137Provision for loan and lease losses
  • $303Total noninterest income
  • $0Fiduciary activities
  • $2Service charges on deposit accounts
  • $0Trading account gains & fees
  • $301Additional noninterest income
  • $2,885Total noninterest expense
  • $1,669Salaries and employee benefits
  • $239Premises and equipment expense
  • $977Additional noninterest expense
  • $960Pre-tax net operating income
  • $0Securities gains (losses)
  • $379Applicable income taxes
  • $581Income before extraordinary items
  • $0Extraordinary gains - net
  • $581Net income attributable to bank
  • $0Net charge-offs
  • $581Cash dividends
  • $203Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.53%Yield on earning assets
  • 1.87%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 4.16%Return on equity (ROE)
  • 4.16%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 67.49%Credit loss provision to net charge-offs
  • 5.40%Efficiency ratio
  • 72,451Assets per employee
  • 5.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 24.18%Noncurrent assets plus other real estate owned to assets
  • 3.26%Noncurrent loans to loans
  • 4.35%Net loans and leases to deposits
  • 84.78%Net loans and leases to core deposits
  • 87.49%Equity capital to assets
  • 13.17%Core capital (leverage) ratio
  • 13.23%Tier 1 risk-based capital ratio
  • 21.55%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $104,207Average earning assets
  • $13,960Average equity
  • $100,693Average loans

List of branches

  • 2 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    080582Quaint Oak Bank501 Knowles Avenue, Southampton, PA 18966January 01, 1926Full Service Brick and Mortar
    1510406Allentown Branch1710 Union Blvd., Allentown, PA 18109Febuary 01, 2010Full Service Brick and Mortar

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