Team Capital Bank in Bethlehem, Pennsylvania (PA), NJ
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Team Capital Bank in Bethlehem, Pennsylvania (PA), NJ
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Team Capital Bank - Overview

  • General
  • FDIC Certificate #: 58085
    Status: Active
    Federal Reserve ID: 3389313
    Date Established: November 01, 2005
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: Yes)
    OTS Docket #: 17998
    FDIC's unique #: 439433
    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: November 01, 2005
    Last Structure Change Effective Date: April 04, 2012
    Last Structure Change Process Date: April 04, 2012
    Last Data Update: April 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 2151 Emrick Blvd, #100, Bethlehem, PA 18020
    County: Northampton
    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): Allentown-Bethlehem-Easton, PA (#240)
    Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900)
    CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $828.8 mil
    Equity capital: $85.5 mil
    Deposits held in domestic offices: $643.5 mil
    Return on assets (ROA): 0.42% ($3.5 mil)
    Quarterly return on assets: 0.66% ($5.5 mil)
    Return on Equity (ROE): 4.64% ($3.9 mil)
    Quarterly return on equity: 6.28% ($5.3 mil)
    Net income: $3.2 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 0.54% ($4,475.7 mil)
    Quarterly Pretax return on assets: 0.87% ($7,210.8 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
  • 123Total employees (full-time equivalent)
  • $828,833Total assets
  • $39,400Cash and due from depository institutions
  • $15,199Interest-bearing balances
  • $294,299Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $451,422Net loans & leases
  • $6,972Loan loss allowance
  • $0Trading account assets
  • $14,369Bank premises and fixed assets
  • $419Other real estate owned
  • $0Goodwill and other intangibles
  • $828,833Life insurance assets
  • $28,924All other assets
  • $743,341Total liabilities and capital
  • $643,543Total liabilities
  • $548,399Total deposits
  • $643,543Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 16852.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $76,500Trading liabilities
  • $0Other borrowed funds
  • $6,446Subordinated debt
  • $85,492All other liabilities
  • $85,492Total equity capital
  • $85,492Total bank equity capital
  • $22,412Perpetual preferred stock
  • $72Common stock
  • $54,142Surplus
  • $8,866Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,426Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,507Income earned, not collected on loans
  • $0Earning assets
  • $3,480Long-term assets (5+ years)
  • $760,920Average Assets, year-to-date
  • $311,218Average Assets, quarterly
  • $765,797Volatile liabilities
  • $813,164Insider loans
  • $553,488FHLB advances
  • $793,759Loans and leases held for sale
  • $18,198Unused loan commitments
  • $7,641Tier 1 (core) risk-based capital
  • $80,231Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,557Total unused commitments
  • $87,294Restructured Loans and leases
  • $28,699Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $33,177Total interest income
  • $6,923Total interest expense
  • $26,254Net interest income
  • $3,595Provision for loan and lease losses
  • $1,172Total noninterest income
  • $0Fiduciary activities
  • $267Service charges on deposit accounts
  • $0Trading account gains & fees
  • $905Additional noninterest income
  • $20,525Total noninterest expense
  • $10,601Salaries and employee benefits
  • $3,526Premises and equipment expense
  • $6,398Additional noninterest expense
  • $3,306Pre-tax net operating income
  • $824Securities gains (losses)
  • $920Applicable income taxes
  • $3,210Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,210Net income attributable to bank
  • $0Net charge-offs
  • $3,210Cash dividends
  • $2,009Sale, conversion, retirement of capital stock, net
  • $102Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.54%Pretax return on assets
  • 4.64%Return on equity (ROE)
  • 4.49%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 178.94%Credit loss provision to net charge-offs
  • 3.44%Efficiency ratio
  • 74,838Assets per employee
  • 6.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3.18%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 198.80%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.77%Net loans and leases to deposits
  • 70.15%Net loans and leases to core deposits
  • 82.37%Equity capital to assets
  • 10.31%Core capital (leverage) ratio
  • 10.11%Tier 1 risk-based capital ratio
  • 14.50%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $765,797Average earning assets
  • $69,206Average equity
  • $711,118Average loans

List of branches

  • 7 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1451884Flemington Branch110 Main Street, Flemington, NJ 8822April 17, 2006Full Service Brick and Mortar
    2492580Phillipsburg Branch98 West Main Street, Phillipsburg, NJ 8865January 01, 2008Full Service Brick and Mortar
    4492582Somerville Branch62 West Main Street, Somerville, NJ 8876April 01, 2008Full Service Brick and Mortar
    8517948West Orange Branch464 Eagle Rock Avenue, West Orange, NJ 7052March 09, 2011Full Service Brick and Mortar
    951856330 Route 31 Branch30 Route 31, Flemington, NJ 8822Febuary 08, 2010Full Service Brick and Mortar
    10518760Clinton Branch178 Center Street, Clinton, NJ 8809April 11, 2011Full Service Brick and Mortar
    11521579Far Hills Branch49 Rt 202, Far Hills, NJ 7931April 01, 2011Full Service Brick and Mortar
  • 5 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0439433Team Capital Bank2151 Emrick Blvd, #100, Bethlehem, PA 18020November 01, 2005Full Service Brick and Mortar
    3492581Allentown Branch1901 Hamilton Street, Allentown, PA 18104Febuary 01, 2008Full Service Brick and Mortar
    549525218 North Main Street Branch18 North Main Street, Doylestown, PA 18901January 04, 2007Full Service Brick and Mortar
    6495253210 Penns Trail Ste.104 Branch210 Penns Trail Ste. 104, Newtown, PA 18940April 13, 2009Full Service Brick and Mortar
    74952544285 W. Tighman Street Branch4285 W. Tighman Street, Allentown, PA 18104November 17, 2008Full Service Brick and Mortar

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