First Keystone Community Bank in city_name, state_name - Detailed Financial Reports, Location

First Keystone Community Bank in Berwick, Pennsylvania (PA)
Show street view No street view available for this location

First Keystone Community Bank routing number info

First Keystone Community Bank - Overview

General
FDIC Certificate #: 7404
Status: Active
Federal Reserve ID: 790918
Bank Holding Company (Regulatory Top Holder): First Keystone Corporation (RSSDID: 1118265, Location: Berwick, PA)
Date Established: September 23, 1864
WWW: http://www.firstkeystonecommunity.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 15 (Domestic: 15, Interstate: No)
OTS Docket #: 9495
FDIC's unique #: 4826
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: January 01, 1934
Last Structure Change Effective Date: October 01, 2010
Last Structure Change Process Date: October 19, 2010
Last Data Update: October 19, 2010
Data Source Date: April 05, 2012
Location
Address: 111 West Front Street, Berwick, PA 18603
County: Columbia
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Scranton--Wilkes-Barre--Hazleton, PA (#7560)
Core Based Statistical Area (CBSA): Bloomsburg-Berwick, PA (#14100)
CBSA Micro Statistical Area: Yes
History of Changes
Name Change
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial Summary
Total assets: $826.0 mil
Equity capital: $97.0 mil
Deposits held in domestic offices: $627.9 mil
Return on assets (ROA): 1.22% ($10.1 mil)
Quarterly return on assets: 1.09% ($9.0 mil)
Return on Equity (ROE): 11.15% ($10.8 mil)
Quarterly return on equity: 9.37% ($9.1 mil)
Net income: $10.0 mil
Quarterly Net income: $2.3 mil
Pretax return on assets: 1.54% ($12,720.7 mil)
Quarterly Pretax return on assets: 1.39% ($11,481.7 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
190Total employees (full-time equivalent)
$826,022Total assets
$10,102Cash and due from depository institutions
$811Interest-bearing balances
$329,688Securities
$0Federal funds sold & reverse repurchase agreements
$410,066Net loans & leases
$5,929Loan loss allowance
$0Trading account assets
$12,725Bank premises and fixed assets
$780Other real estate owned
$20,505Goodwill and other intangibles
$826,022Life insurance assets
$42,156All other assets
$729,024Total liabilities and capital
$627,916Total liabilities
$552,283Total deposits
$627,916Interest-bearing deposits
$79Deposits held in domestic offices
18132.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$77,089Trading liabilities
$0Other borrowed funds
$5,887Subordinated debt
$96,998All other liabilities
$96,998Total equity capital
$96,998Total bank equity capital
$0Perpetual preferred stock
$5,867Common stock
$42,242Surplus
$48,889Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,356Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,188Income earned, not collected on loans
$0Earning assets
$4,375Long-term assets (5+ years)
$740,565Average Assets, year-to-date
$421,044Average Assets, quarterly
$818,127Volatile liabilities
$829,232Insider loans
$550,754FHLB advances
$805,626Loans and leases held for sale
$19,145Unused loan commitments
$11,462Tier 1 (core) risk-based capital
$69,214Tier 2 risk-based capital
$0Total risk weighted assets
$7,683Total unused commitments
$63,400Restructured Loans and leases
$8,308Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$36,969Total interest income
$9,412Total interest expense
$27,557Net interest income
$1,900Provision for loan and lease losses
$4,234Total noninterest income
$585Fiduciary activities
$988Service charges on deposit accounts
$0Trading account gains & fees
$2,661Additional noninterest income
$17,490Total noninterest expense
$9,480Salaries and employee benefits
$2,781Premises and equipment expense
$5,229Additional noninterest expense
$12,401Pre-tax net operating income
$185Securities gains (losses)
$2,584Applicable income taxes
$10,002Income before extraordinary items
$0Extraordinary gains - net
$10,002Net income attributable to bank
$0Net charge-offs
$10,002Cash dividends
$1,672Sale, conversion, retirement of capital stock, net
$5,867Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.05%Yield on earning assets
1.28%Cost of funding earning assets
3.76%Net interest margin
0.58%Noninterest income to earning assets
2.39%Noninterest expense to earning assets
1.20%Net operating income to assets
1.22%Return on assets (ROA)
1.54%Pretax return on assets
11.15%Return on equity (ROE)
4.61%Retained earnings to average equity (YTD only)
0.41%Net charge-offs to loans
113.64%Credit loss provision to net charge-offs
8.55%Efficiency ratio
54,107Assets per employee
4.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
58.66%Loss allowance to loans
1.43%Loss allowance to noncurrent loans
141.57%Noncurrent assets plus other real estate owned to assets
0.60%Noncurrent loans to loans
1.01%Net loans and leases to deposits
65.31%Net loans and leases to core deposits
67.45%Equity capital to assets
11.74%Core capital (leverage) ratio
8.59%Tier 1 risk-based capital ratio
12.57%Total risk-based capital ratio
Memoranda
$14Average assets
$818,127Average earning assets
$89,723Average equity
$732,526Average 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
$87,666Managed Assets
1Number of Accounts
$73,117Personal trust and agency accounts
$35,029Employee benefit-defined contribution accounts
$3,696Employee benefit-defined benefit accounts
$0Other retirement accounts
$9,870Corporate trust and agency accounts
$0Investment management agency accounts
$24,512Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$10Non-managed Assets
500Number of Accounts
$0Personal trust and agency accounts
$9,870Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$14,549Other retirement accounts
$19Corporate trust and agency accounts
$1,522Other fiduciary accounts
$11,447Fiduciary accounts held in foreign offices

List of branches

15 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	4826	First Keystone Community Bank	111 West Front Street, Berwick, PA 18603	September 23, 1864	Full Service Brick and Mortar
1	215369	Nescopeck Branch	435 West Third Street, Nescopeck, PA 18635	September 01, 1960	Full Service Brick and Mortar
2	215370	Salem Branch	400 Fowler Avenue, Berwick, PA 18603	September 07, 1978	Full Service Brick and Mortar
3	215371	Freas Avenue Branch	701 Freas Avenue, Berwick, PA 18603	December 18, 1986	Full Service Brick and Mortar
4	215372	Scott Township Branch	2301 Columbia Blvd, Bloomsburg, PA 17815	March 06, 1989	Full Service Brick and Mortar
5	215373	Mifflinville Branch	Third And Race Streets, Mifflinville, PA 18631	August 01, 1994	Full Service Brick and Mortar
6	215374	Hanover Township Branch	1540 Sans Souci Highway, Wilkes-Barre, PA 18702	October 06, 1997	Full Service Brick and Mortar
8	215376	Berwick Giant Market Branch	50 Briar Creek Plaza, Berwick, PA 18603	August 30, 1999	Full Service Retail
9	419717	Kingston Branch	179 South Wyoming Avenue, Kingston, PA 18704	August 10, 2002	Full Service Brick and Mortar
10	46133	1519 Bloom Road Branch	1519 Bloom Road, Danville, PA 17821	May 15, 1990	Full Service Brick and Mortar
11	57787	Pocono Community Bank Branch	559 Main Street, Stroudsburg, PA 18360	November 21, 1997	Full Service Brick and Mortar
12	359965	Route 390 And Price Branch	Route 390 And Price Drive, Mountainhome, PA 18342	November 30, 2000	Full Service Brick and Mortar
13	449785	Pocono Community Branch	Route 209 Brodheadsville, Brodheadsville, PA 18322	March 02, 2006	Full Service Brick and Mortar
14	470514	Swiftwater Office	Route 611, Swiftwater, PA 18370	November 28, 2007	Full Service Brick and Mortar
15	495824	Mountaintop	18 North Mountain Boulevard, Mountain Top, PA 18707	September 28, 2009	Full Service Brick and Mortar

First Keystone Community Bank in Berwick, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Keystone Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Keystone Community Bank in Berwick, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Keystone Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Keystone Community Bank in Berwick, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches