Vitals
  • Total Assets
    2.9B 0.1 %
  • Total Deposits
    2.0B 2.6 %
  • Total Net Loans
    1.9B 15.5 %
  • Net Income
    19.9M -26.7 %
  • Book Value
    321.6M -10.9 %
  • Book Value x2
    643.3M -10.9 %
  • Book Value x3
    964.9M -10.9 %
ROAA

.684

ROAE

5.857

Efficiency Ratio

69.233

Net Interest Margin

2.772

Balance Sheet Highlights
Financial Highlights Keystone Nazareth Bank & Trust Company All Insured Savings Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 2,932,615 502,735
Total Net Loans 1,852,425 307,720
Total Deposits 1,972,456 344,253
Total Equity 321,649 57,732
Profitability
Net Income 19,887 11,647
Return on Average Assets .684 .565
Return on Average Equity 5.857 5.041
Net Interest Margin 2.772 2.714
Efficiency Ratio 69.233 75.526
Noninterest Income/Revenue 19.568 30.542
Balance Sheet Ratios
Loan-to-Deposit 93.915 86.89
Securities/Assets .221 .901
Total Equity/Total Assets .11 .115
Tangible Equity/Tangible Assets .064 -.51
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 192,891 49,087
Tier 2 Capital 18,791 3,183
Total Capital 211,682 52,269
Total Risk Weighted Assets 2,095,862 318,366
Leverage Ratio 6.91 11.24
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.2 19.637
Total Capital Ratio 10.1 20.415

Timeline for Keystone Nazareth Bank & Trust Company

National Penn Bank

Keystone Nazareth Bank & Trust Company was acquired by National Penn Bank 16 years

View Profile Feb 02 2008

Pond Road Private Banking Office

Acquisition: Keystone Nazareth Bank & Trust Company acquired a new subsidiary, Pond Road Private Banking Office , 18 years

View Profile Feb 28 2006

Northeast Pennsylvania Trust Company

Acquisition: Keystone Nazareth Bank & Trust Company acquired a new subsidiary, Northeast Pennsylvania Trust Company , 18 years

View Profile May 20 2005

First Federal Bank

Acquisition: Keystone Nazareth Bank & Trust Company acquired a new subsidiary, First Federal Bank, 18 years

View Profile May 20 2005

Caruso Benefits Group

Caruso Benefits Group became a new subsidiary organization for Keystone Nazareth Bank & Trust Company.

View Profile May 19 2005

Want to see more?

Complete timeline for Keystone Nazareth Bank & Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
National Penn Bank Buyer 9,627,027 Acquisition Discontinued 2/2/2008
Pond Road Private Banking Office Seller Acquisition Discontinued 2/28/2006
Northeast Pennsylvania Trust Company Seller Acquisition Discontinued 5/20/2005
First Federal Bank Seller 801,683 Acquisition Discontinued 5/20/2005
Nazareth National Bank And Trust Company Seller 660,306 Acquisition Discontinued 11/1/2003
Relationships Role Relationship Start Relationship End
Knbt Bancorp Inc. Parent 10/31/2003 2/1/2008
Klvi, Inc. Subsidary 10/31/2003 2/1/2008
National Penn Settlement Services Llc Subsidary 10/31/2003 2/1/2008
Caruso Benefits Group Subsidary 5/19/2005 2/1/2008
Higgins Insurance Associates Inc Subsidary 5/19/2005 2/1/2008
Knbt Securities Subsidary 5/19/2005 2/1/2008
Abstractors, Inc Subsidary 5/19/2005 9/6/2006
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