The National Bank of Malvern in Malvern, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The National Bank of Malvern in Malvern, Pennsylvania (PA)
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The National Bank of Malvern - Overview

  • General
  • FDIC Certificate #: 7590
    Status: Active
    Federal Reserve ID: 977616
    Bank Holding Company (Regulatory Top Holder): Malvern Bank Corporation (RSSDID: 2409755, Location: Malvern, PA)
    Date Established: April 07, 1884
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 4923
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: King And Warren Streets, Malvern, PA 19355
    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: $131.5 mil
    Equity capital: $18.7 mil
    Deposits held in domestic offices: $109.5 mil
    Return on assets (ROA): 0.90% ($1.2 mil)
    Quarterly return on assets: 0.76% ($1.0 mil)
    Return on Equity (ROE): 6.55% ($1.2 mil)
    Quarterly return on equity: 5.36% ($1.0 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.22% ($1,603.8 mil)
    Quarterly Pretax return on assets: 1.03% ($1,354.0 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
  • 28Total employees (full-time equivalent)
  • $131,457Total assets
  • $11,464Cash and due from depository institutions
  • $9,523Interest-bearing balances
  • $30,740Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $84,993Net loans & leases
  • $1,604Loan loss allowance
  • $0Trading account assets
  • $1,724Bank premises and fixed assets
  • $230Other real estate owned
  • $0Goodwill and other intangibles
  • $131,457Life insurance assets
  • $2,306All other assets
  • $112,742Total liabilities and capital
  • $109,534Total liabilities
  • $87,383Total deposits
  • $109,534Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $208Subordinated debt
  • $18,715All other liabilities
  • $18,715Total equity capital
  • $18,715Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $750Surplus
  • $17,815Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,100Income earned, not collected on loans
  • $0Earning assets
  • $561Long-term assets (5+ years)
  • $125,256Average Assets, year-to-date
  • $85,577Average Assets, quarterly
  • $131,687Volatile liabilities
  • $131,383Insider loans
  • $74,567FHLB advances
  • $132,157Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,709Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,099Restructured Loans and leases
  • $2,061Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,215Total interest income
  • $1,113Total interest expense
  • $5,102Net interest income
  • $0Provision for loan and lease losses
  • $221Total noninterest income
  • $8Fiduciary activities
  • $110Service charges on deposit accounts
  • $0Trading account gains & fees
  • $103Additional noninterest income
  • $3,712Total noninterest expense
  • $2,087Salaries and employee benefits
  • $327Premises and equipment expense
  • $1,298Additional noninterest expense
  • $1,611Pre-tax net operating income
  • $0Securities gains (losses)
  • $425Applicable income taxes
  • $1,186Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,186Net income attributable to bank
  • $0Net charge-offs
  • $1,186Cash dividends
  • $54Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 4.07%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 6.55%Return on equity (ROE)
  • 6.55%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 29.83%Efficiency ratio
  • 69,735Assets per employee
  • 4.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 76.38%Noncurrent assets plus other real estate owned to assets
  • 1.77%Noncurrent loans to loans
  • 2.43%Net loans and leases to deposits
  • 77.60%Net loans and leases to core deposits
  • 79.50%Equity capital to assets
  • 14.24%Core capital (leverage) ratio
  • 14.16%Tier 1 risk-based capital ratio
  • 25.09%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $131,687Average earning assets
  • $18,117Average equity
  • $125,457Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,421Managed Assets
  • 1Number of Accounts
  • $1,421Personal trust and agency accounts
  • $1,421Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 5Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04923The National Bank Of MalvernKing And Warren Streets, Malvern, PA 19355April 07, 1884Full Service Brick and Mortar
    1216076Frazer Branch140 Lancaster Avenue, East Whiteland Township, PA 19355September 16, 1974Full Service Brick and Mortar

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