The Pennsville National Bank in Pennsville, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Pennsville National Bank in Pennsville, New Jersey (NJ)
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The Pennsville National Bank - Overview

  • General
  • FDIC Certificate #: 19978
    Status: Active
    Federal Reserve ID: 828110
    Bank Holding Company (Regulatory Top Holder): Penn Bancshares, Inc. (RSSDID: 1132757, Location: Pennsville, NJ)
    Date Established: June 23, 1969
    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: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 13719
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: June 23, 1969
    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: 170 South Broadway, Pennsville, NJ 8070
    County: Salem
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Jamesburg
    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: Wilmington, DE-MD-NJ (#48864)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $196.6 mil
    Equity capital: $18.9 mil
    Deposits held in domestic offices: $176.2 mil
    Return on assets (ROA): 0.78% ($1.5 mil)
    Quarterly return on assets: 0.87% ($1.7 mil)
    Return on Equity (ROE): 8.72% ($1.7 mil)
    Quarterly return on equity: 9.17% ($1.7 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.10% ($2,162.4 mil)
    Quarterly Pretax return on assets: 1.21% ($2,378.6 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
  • 45Total employees (full-time equivalent)
  • $196,578Total assets
  • $6,460Cash and due from depository institutions
  • $2,224Interest-bearing balances
  • $121,046Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $61,924Net loans & leases
  • $831Loan loss allowance
  • $0Trading account assets
  • $3,994Bank premises and fixed assets
  • $345Other real estate owned
  • $0Goodwill and other intangibles
  • $196,578Life insurance assets
  • $2,809All other assets
  • $177,657Total liabilities and capital
  • $176,180Total liabilities
  • $160,121Total deposits
  • $176,180Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,477Subordinated debt
  • $18,921All other liabilities
  • $18,921Total equity capital
  • $18,921Total bank equity capital
  • $0Perpetual preferred stock
  • $675Common stock
  • $2,402Surplus
  • $15,844Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $145Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,414Income earned, not collected on loans
  • $0Earning assets
  • $1,022Long-term assets (5+ years)
  • $185,194Average Assets, year-to-date
  • $58,499Average Assets, quarterly
  • $199,292Volatile liabilities
  • $200,406Insider loans
  • $94,016FHLB advances
  • $199,932Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,174Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,784Restructured Loans and leases
  • $1,270Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,340Total interest income
  • $1,329Total interest expense
  • $6,011Net interest income
  • $175Provision for loan and lease losses
  • $1,480Total noninterest income
  • $146Fiduciary activities
  • $625Service charges on deposit accounts
  • $0Trading account gains & fees
  • $709Additional noninterest income
  • $5,129Total noninterest expense
  • $2,310Salaries and employee benefits
  • $787Premises and equipment expense
  • $2,032Additional noninterest expense
  • $2,187Pre-tax net operating income
  • $7Securities gains (losses)
  • $644Applicable income taxes
  • $1,550Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,550Net income attributable to bank
  • $0Net charge-offs
  • $1,550Cash dividends
  • $181Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.89%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.19%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.10%Pretax return on assets
  • 8.72%Return on equity (ROE)
  • 8.72%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 96.69%Credit loss provision to net charge-offs
  • 13.05%Efficiency ratio
  • 68,469Assets per employee
  • 4.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 58.77%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 2.25%Net loans and leases to deposits
  • 35.15%Net loans and leases to core deposits
  • 36.01%Equity capital to assets
  • 9.63%Core capital (leverage) ratio
  • 8.09%Tier 1 risk-based capital ratio
  • 17.20%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $199,292Average earning assets
  • $17,768Average equity
  • $188,490Average 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
  • $8,440Managed Assets
  • 1Number of Accounts
  • $2,474Personal trust and agency accounts
  • $1,107Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,367Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 31Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,966Other retirement accounts
  • $1,254Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $721Fiduciary accounts held in foreign offices

List of branches

  • 5 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013719The Pennsville National Bank170 South Broadway, Pennsville, NJ 8070June 23, 1969Full Service Brick and Mortar
    1250067Carneys Point BranchShell Road And Virginia Avenue, Carneys Point, NJ 8069December 15, 1986Full Service Brick and Mortar
    2250068Elmer Branch435 Chestnut Street, Elmer, NJ 8318August 06, 1986Full Service Brick and Mortar
    3250069Pedricktown Branch1 West Mill Street, Pedricktown, NJ 8067October 01, 1991Full Service Brick and Mortar
    4490137Woodstown Office125a East Avenue, Woodstown, NJ 8098July 23, 2008Full Service Brick and Mortar

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