The People's Bank of Oxford in Oxford, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 11, 2004

  • The People's Bank of Oxford in Oxford, Pennsylvania (PA)
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The People's Bank of Oxford - Overview

  • General
  • FDIC Certificate #: 436
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National Penn Bank (#7414)
    Federal Reserve ID: 124513
    Date Established: December 19, 1913
    WWW: http://www.peoplesoxford.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Interstate: No)
    OTS Docket #: 10128
    FDIC's unique #: 336
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 11, 2004
    Last Structure Change Process Date: June 24, 2004
    Last Data Update: June 24, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: Third And Locust Streets, Oxford, PA 19363
    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)
  • Financial Summary
  • Total assets: $452.9 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, 2003)

  • Dollar figures in thousands
  • 172Total employees (full-time equivalent)
  • $451,387Total assets
  • $12,492Cash and due from depository institutions
  • $325Interest-bearing balances
  • $58,400Securities
  • $1,712Federal funds sold & reverse repurchase agreements
  • $353,693Net loans & leases
  • $4,972Loan loss allowance
  • $0Trading account assets
  • $11,185Bank premises and fixed assets
  • $97Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $13,808All other assets
  • $451,387Total liabilities and capital
  • $409,088Total liabilities
  • $368,254Total deposits
  • $273,408Interest-bearing deposits
  • $368,254Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $8,470Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $30,906Other borrowed funds
  • $0Subordinated debt
  • $1,458All other liabilities
  • $42,299Total equity capital
  • $42,299Total bank equity capital
  • $42,299Perpetual preferred stock
  • $0Common stock
  • $3,053Surplus
  • $16,172Undivided profits
  • Memoranda
  • $23,074Noncurrent loans and leases
  • $83,215Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,821Earning assets
  • $0Long-term assets (5+ years)
  • $1,668Average Assets, year-to-date
  • $414,130Average Assets, quarterly
  • $81,836Volatile liabilities
  • $434,453Insider loans
  • $449,968FHLB advances
  • $29,672Loans and leases held for sale
  • $10,167Unused loan commitments
  • $30,906Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $83,215Total unused commitments
  • $0Restructured Loans and leases
  • $4,839Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $22,574Total interest income
  • $5,948Total interest expense
  • $16,626Net interest income
  • $600Provision for loan and lease losses
  • $5,323Total noninterest income
  • $705Fiduciary activities
  • $1,839Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,779Additional noninterest income
  • $14,489Total noninterest expense
  • $9,039Salaries and employee benefits
  • $1,767Premises and equipment expense
  • $3,683Additional noninterest expense
  • $6,860Pre-tax net operating income
  • $24Securities gains (losses)
  • $1,977Applicable income taxes
  • $4,907Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,907Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $131Sale, conversion, retirement of capital stock, net
  • $1,559Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.68%Yield on earning assets
  • 1.50%Cost of funding earning assets
  • 4.18%Net interest margin
  • 1.34%Noninterest income to earning assets
  • 3.64%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 12.01%Return on equity (ROE)
  • 8.20%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 458.02%Credit loss provision to net charge-offs
  • 56.95%Efficiency ratio
  • 66,012Assets per employee
  • 2.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.77%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 176.25%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.79%Net loans and leases to deposits
  • 96.05%Net loans and leases to core deposits
  • 101.91%Equity capital to assets
  • 9.37%Core capital (leverage) ratio
  • 9.25%Tier 1 risk-based capital ratio
  • 10.68%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $434,453Average earning assets
  • $40,854Average equity
  • $397,509Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $103,809Managed Assets
  • 1Number of Accounts
  • $99,026Personal trust and agency accounts
  • $74,999Employee benefit-defined contribution accounts
  • $3,004Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $9,298Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $11,725Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 307Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,783Other retirement accounts
  • $3,850Corporate trust and agency accounts
  • $639Other fiduciary accounts
  • $294Fiduciary accounts held in foreign offices

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