Stonebridge Bank in Exton, Pennsylvania (PA), MD
Overview, Financial Summary, Detailed Financial Reports, Branches


Stonebridge Bank - Overview

  • General
  • FDIC Certificate #: 35077
    Status: Active
    Federal Reserve ID: 2754389
    Bank Holding Company (Regulatory Top Holder): Stonebridge Financial Corp. (RSSDID: 2754334, Location: West Chester, PA)
    Date Established: Febuary 26, 1999
    WWW: http://www.stonebridgebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: Yes)
    FDIC's unique #: 74652
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: Febuary 26, 1999
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 629 North Pottstown Pike, Exton, PA 19341
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $302.7 mil
    Equity capital: $16.8 mil
    Deposits held in domestic offices: $254.7 mil
    Return on assets (ROA): -2.81% (-$8.5 mil)
    Quarterly return on assets: -3.12% (-$9.5 mil)
    Return on Equity (ROE): -39.52% (-$6.7 mil)
    Quarterly return on equity: -53.14% (-$9.0 mil)
    Net income: -$9.6 mil
    Quarterly Net income: -$2.4 mil
    Pretax return on assets: -3.02% (-$9,140.4 mil)
    Quarterly Pretax return on assets: -3.50% (-$10,593.1 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
  • 43Total employees (full-time equivalent)
  • $302,661Total assets
  • $17,243Cash and due from depository institutions
  • $15,825Interest-bearing balances
  • $42,332Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $212,744Net loans & leases
  • $7,917Loan loss allowance
  • $0Trading account assets
  • $2,041Bank premises and fixed assets
  • $14,418Other real estate owned
  • $0Goodwill and other intangibles
  • $302,661Life insurance assets
  • $13,883All other assets
  • $285,882Total liabilities and capital
  • $254,721Total liabilities
  • $248,704Total deposits
  • $254,721Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 10100.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $1,061Subordinated debt
  • $16,779All other liabilities
  • $16,779Total equity capital
  • $16,779Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $35,321Surplus
  • $-19,142Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21,503Income earned, not collected on loans
  • $0Earning assets
  • $1,055Long-term assets (5+ years)
  • $270,901Average Assets, year-to-date
  • $79,458Average Assets, quarterly
  • $340,163Volatile liabilities
  • $309,083Insider loans
  • $219,084FHLB advances
  • $310,133Loans and leases held for sale
  • $5,194Unused loan commitments
  • $5,194Tier 1 (core) risk-based capital
  • $16,189Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,233Restructured Loans and leases
  • $3,231Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,866Total interest income
  • $5,196Total interest expense
  • $9,670Net interest income
  • $6,429Provision for loan and lease losses
  • -$3,056Total noninterest income
  • $0Fiduciary activities
  • $60Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$3,116Additional noninterest income
  • $10,741Total noninterest expense
  • $3,928Salaries and employee benefits
  • $768Premises and equipment expense
  • $6,045Additional noninterest expense
  • -$10,556Pre-tax net operating income
  • $296Securities gains (losses)
  • -$705Applicable income taxes
  • -$9,555Income before extraordinary items
  • $0Extraordinary gains - net
  • -$9,555Net income attributable to bank
  • $0Net charge-offs
  • -$9,555Cash dividends
  • $6,438Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 1.74%Cost of funding earning assets
  • 3.24%Net interest margin
  • -1.02%Noninterest income to earning assets
  • 3.60%Noninterest expense to earning assets
  • -2.89%Net operating income to assets
  • -2.81%Return on assets (ROA)
  • -3.02%Pretax return on assets
  • -39.52%Return on equity (ROE)
  • -39.52%Retained earnings to average equity (YTD only)
  • 2.62%Net charge-offs to loans
  • 99.86%Credit loss provision to net charge-offs
  • -0.64%Efficiency ratio
  • 162,398Assets per employee
  • 7.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.59%Loss allowance to noncurrent loans
  • 36.82%Noncurrent assets plus other real estate owned to assets
  • 11.87%Noncurrent loans to loans
  • 9.74%Net loans and leases to deposits
  • 83.52%Net loans and leases to core deposits
  • 86.45%Equity capital to assets
  • 5.54%Core capital (leverage) ratio
  • 5.22%Tier 1 risk-based capital ratio
  • 7.39%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $340,163Average earning assets
  • $24,179Average equity
  • $298,552Average loans

List of branches

  • 1 Maryland Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    8469731Forest Hill Branch2217 Commerce Drive, Forest Hill, MD 21050October 01, 2007
  • 6 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    074652Stonebridge Bank629 North Pottstown Pike, Exton, PA 19341Febuary 26, 1999Full Service Brick and Mortar
    1431558Southampton Branch408 Lakeside Drive, Southampton, PA 18966August 04, 2004Limited Service Loan Production
    5443317West Chester Office Branch624 Willowbrook Lane, West Chester, PA 19382April 27, 2001Full Service Brick and Mortar
    6443318Customer Service Center Branch624 Willowbrook Lane, West Chester, PA 19382April 27, 2001Full Service Cyber
    7456043Warminster Branch319 East Street Road, Warminster, PA 18974October 06, 2006Full Service Brick and Mortar
    9471480Blue Bell Branch721 Skippack Pike, Blue Bell, PA 19422January 29, 2008Full Service Brick and Mortar

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