Wayne Bank in city_name, state_name - Detailed Financial Reports, Location

Wayne Bank in Honesdale, Pennsylvania (PA)
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Wayne Bank routing number info

Wayne Bank - Overview

General
FDIC Certificate #: 698
Status: Active
Federal Reserve ID: 59316
Bank Holding Company (Regulatory Top Holder): Norwood Financial Corp. (RSSDID: 2365356, Location: Honesdale, PA)
Date Established: January 01, 1871
WWW: http://www.waynebank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 16 (Domestic: 16, Interstate: No)
OTS Docket #: 11037
FDIC's unique #: 450
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: June 01, 2011
Last Structure Change Process Date: June 09, 2011
Last Data Update: June 09, 2011
Data Source Date: April 05, 2012
Location
Address: 717 Main Street, Honesdale, PA 18431
County: Wayne
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
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $667.4 mil
Equity capital: $84.2 mil
Deposits held in domestic offices: $527.0 mil
Return on assets (ROA): 1.29% ($8.6 mil)
Quarterly return on assets: 1.26% ($8.4 mil)
Return on Equity (ROE): 10.56% ($8.9 mil)
Quarterly return on equity: 10.18% ($8.6 mil)
Net income: $8.0 mil
Quarterly Net income: $2.1 mil
Pretax return on assets: 1.75% ($11,680.0 mil)
Quarterly Pretax return on assets: 1.71% ($11,413.0 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
146Total employees (full-time equivalent)
$667,428Total assets
$21,423Cash and due from depository institutions
$12,449Interest-bearing balances
$150,114Securities
$0Federal funds sold & reverse repurchase agreements
$452,542Net loans & leases
$5,458Loan loss allowance
$0Trading account assets
$7,479Bank premises and fixed assets
$2,910Other real estate owned
$10,585Goodwill and other intangibles
$667,428Life insurance assets
$22,375All other assets
$583,241Total liabilities and capital
$526,997Total liabilities
$506,355Total deposits
$526,997Interest-bearing deposits
$89Deposits held in domestic offices
21794.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$27,670Trading liabilities
$0Other borrowed funds
$6,780Subordinated debt
$84,187All other liabilities
$84,187Total equity capital
$84,187Total bank equity capital
$0Perpetual preferred stock
$900Common stock
$30,326Surplus
$52,961Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,815Income earned, not collected on loans
$0Earning assets
$2,468Long-term assets (5+ years)
$615,105Average Assets, year-to-date
$328,908Average Assets, quarterly
$622,679Volatile liabilities
$672,211Insider loans
$470,373FHLB advances
$655,606Loans and leases held for sale
$11,887Unused loan commitments
$8,809Tier 1 (core) risk-based capital
$70,613Tier 2 risk-based capital
$0Total risk weighted assets
$3,078Total unused commitments
$72,336Restructured Loans and leases
$4,813Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$27,761Total interest income
$5,182Total interest expense
$22,579Net interest income
$1,575Provision for loan and lease losses
$3,233Total noninterest income
$409Fiduciary activities
$1,312Service charges on deposit accounts
$0Trading account gains & fees
$1,512Additional noninterest income
$14,307Total noninterest expense
$7,848Salaries and employee benefits
$1,837Premises and equipment expense
$4,622Additional noninterest expense
$9,930Pre-tax net operating income
$973Securities gains (losses)
$2,866Applicable income taxes
$8,037Income before extraordinary items
$0Extraordinary gains - net
$8,037Net income attributable to bank
$0Net charge-offs
$8,037Cash dividends
$1,733Sale, conversion, retirement of capital stock, net
$3,696Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.80%Yield on earning assets
0.90%Cost of funding earning assets
3.90%Net interest margin
0.56%Noninterest income to earning assets
2.47%Noninterest expense to earning assets
1.18%Net operating income to assets
1.29%Return on assets (ROA)
1.75%Pretax return on assets
10.56%Return on equity (ROE)
5.70%Retained earnings to average equity (YTD only)
0.42%Net charge-offs to loans
90.88%Credit loss provision to net charge-offs
6.64%Efficiency ratio
55,009Assets per employee
4.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
45.99%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
69.84%Noncurrent assets plus other real estate owned to assets
1.61%Noncurrent loans to loans
1.71%Net loans and leases to deposits
85.87%Net loans and leases to core deposits
90.54%Equity capital to assets
12.61%Core capital (leverage) ratio
10.77%Tier 1 risk-based capital ratio
15.01%Total risk-based capital ratio
Memoranda
$16Average assets
$622,679Average earning assets
$76,139Average equity
$578,525Average 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
$103,443Managed Assets
1Number of Accounts
$66,062Personal trust and agency accounts
$24,667Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$5,675Corporate trust and agency accounts
$0Investment management agency accounts
$28,998Other fiduciary accounts
$6,722Fiduciary accounts held in foreign offices
$0Non-managed Assets
215Number of Accounts
$0Personal trust and agency accounts
$5,675Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$37,381Other retirement accounts
$1,210Corporate trust and agency accounts
$34,383Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

16 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	450	Wayne Bank	717 Main Street, Honesdale, PA 18431	January 01, 1871	Full Service Brick and Mortar
1	184392	Waymart Branch	Belmont And Water Streets, Waymart, PA 18472	April 19, 1954	Full Service Brick and Mortar
2	184393	Willow Avenue Branch	245 Willow Avenue, Honesdale, PA 18431	September 15, 1980	Full Service Brick and Mortar
3	184394	Hawley Branch	Route 6 East, Hawley, PA 18428	January 15, 1986	Full Service Brick and Mortar
4	216460	Milford Branch	111 West Hartford Street, Milford, PA 18337	May 15, 1987	Full Service Brick and Mortar
6	216118	Shohola Branch	107 Richardson Avenue, Shohola, PA 18458	June 25, 1956	Full Service Brick and Mortar
8	216156	Lakewood Branch	17 Como Road, Lakewood, PA 18439	December 27, 1988	Full Service Brick and Mortar
9	184396	Stroud Mall Branch	Stroud Mall & Rte 611, Stroudsburg, PA 18360	June 21, 1999	Full Service Brick and Mortar
10	359811	Lords Valley Branch	637 Route 739, Lords Valley, PA 18428	August 17, 2000	Full Service Brick and Mortar
11	429968	Marshalls Creek Branch	5165 Milford Road, Route 209, Marshalls Creek, PA 18335	July 19, 2004	Full Service Brick and Mortar
12	457246	Tannersville Branch	Route 611, Rr 1, Box 720, Tannersville, PA 18372	December 05, 2006	Full Service Brick and Mortar
13	44022	Central Scranton Office	216 Adams Ave, Scranton, PA 18503	January 01, 1902	Full Service Brick and Mortar
14	283784	West Scranton Office	623 S Main Avenue, Scranton, PA 18504	January 01, 1902	Full Service Brick and Mortar
15	283785	Clarks Summit Branch	651 Northern Boulevard, Clarks Summit, PA 18411	November 20, 1989	Full Service Brick and Mortar
16	356674	Stroudsburg Office	334 North Ninth Street, Stroudsburg, PA 18360	May 17, 1999	Full Service Brick and Mortar
17	450919	Effort Branch	2200 Barney Lane, Effort, PA 18330	May 02, 2006	Full Service Brick and Mortar

Wayne Bank in Honesdale, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Wayne 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:

Wayne Bank in Honesdale, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

Wayne 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:

Wayne Bank in Honesdale, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches