Keystone Nazareth Bank & Trust Company in Bethlehem, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 02, 2008

  • Keystone Nazareth Bank & Trust Company in Bethlehem, Pennsylvania (PA)
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Keystone Nazareth Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 28166
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National Penn Bank (#7414)
    Federal Reserve ID: 1001273
    Date Established: January 01, 1925
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 56 (Interstate: No)
    OTS Docket #: 1034
    FDIC's unique #: 41000
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 17, 1960
    Last Structure Change Effective Date: Febuary 02, 2008
    Last Structure Change Process Date: March 03, 2008
    Last Data Update: March 03, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: Route 512 And Highland Avenue, Bethlehem, PA 18017
    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)
  • Financial Summary
  • Total assets: $2,932.6 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, 2007)

  • Dollar figures in thousands
  • 721Total employees (full-time equivalent)
  • $2,932,615Total assets
  • $65,621Cash and due from depository institutions
  • $598Interest-bearing balances
  • $648,438Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,852,425Net loans & leases
  • $18,791Loan loss allowance
  • $0Trading account assets
  • $44,758Bank premises and fixed assets
  • $109Other real estate owned
  • $134,662Goodwill and other intangibles
  • $81,858Life insurance assets
  • $186,602All other assets
  • $2,932,615Total liabilities and capital
  • $2,610,966Total liabilities
  • $1,972,456Total deposits
  • $1,884,210Interest-bearing deposits
  • $1,972,456Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $233,092Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $320,836Other borrowed funds
  • $0Subordinated debt
  • $84,582All other liabilities
  • $321,649Total equity capital
  • $321,649Total bank equity capital
  • $321,649Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $253,792Undivided profits
  • Memoranda
  • $67,857Noncurrent loans and leases
  • $510,828Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $6,531Earning assets
  • $1,114Long-term assets (5+ years)
  • $10,091Average Assets, year-to-date
  • $2,501,461Average Assets, quarterly
  • $1,311,534Volatile liabilities
  • $2,927,017Insider loans
  • $2,922,571FHLB advances
  • $481,082Loans and leases held for sale
  • $7,213Unused loan commitments
  • $307,123Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,088Total risk weighted assets
  • $510,828Total unused commitments
  • $0Restructured Loans and leases
  • $18,791Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $151,055Total interest income
  • $80,672Total interest expense
  • $70,383Net interest income
  • $2,678Provision for loan and lease losses
  • $36,784Total noninterest income
  • $5,751Fiduciary activities
  • $6,813Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24,220Additional noninterest income
  • $74,293Total noninterest expense
  • $43,283Salaries and employee benefits
  • $11,602Premises and equipment expense
  • $19,408Additional noninterest expense
  • $30,196Pre-tax net operating income
  • -$1,622Securities gains (losses)
  • $8,687Applicable income taxes
  • $19,887Income before extraordinary items
  • $0Extraordinary gains - net
  • $19,887Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $931Sale, conversion, retirement of capital stock, net
  • $67,000Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.04%Yield on earning assets
  • 3.23%Cost of funding earning assets
  • 2.82%Net interest margin
  • 1.47%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 5.86%Return on equity (ROE)
  • -13.87%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 287.65%Credit loss provision to net charge-offs
  • 35.31%Efficiency ratio
  • 65,858Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 336.90%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 287.72%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 93.91%Net loans and leases to core deposits
  • 102.26%Equity capital to assets
  • 10.97%Core capital (leverage) ratio
  • 6.91%Tier 1 risk-based capital ratio
  • 9.20%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $2,927,017Average earning assets
  • $339,566Average equity
  • $2,500,086Average loans

Total Fiduciary and Related Assets (December 31, 2007)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $885,559Managed Assets
  • 1Number of Accounts
  • $799,635Personal trust and agency accounts
  • $382,538Employee benefit-defined contribution accounts
  • $97,479Employee benefit-defined benefit accounts
  • $25,563Other retirement accounts
  • $75,675Corporate trust and agency accounts
  • $80Investment management agency accounts
  • $218,300Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1763Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $85,924Other retirement accounts
  • $27,168Corporate trust and agency accounts
  • $39,633Other fiduciary accounts
  • $18,704Fiduciary accounts held in foreign offices

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