# 3RD FED BANK
NEWTOWN, PA · FDIC certificate 29132 · asset band $300M-1B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $815.6M | |
| Deposits | $668.0M | |
| Loans and leases | $609.0M | |
| Total equity | $95.4M | |
| Loans / deposits | 90.57% (p73 of band) | 80.43% |
| Liquid assets / assets | 19.82% (p30 of band) | |
| Uninsured deposits / deposits | 5.72% (p5 of band) | 18.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.78% (p49 of band) | |
| FHLB advances / assets | 5.67% | |
| Tier 1 leverage | 11.12% (p70 of band) | 10.05% |
| Unrealized securities loss / equity | 2.71% (p79 of band) | 0.40% |
| AOCI / equity | 1.67% (p59 of band) | |
| ROA (annualized) | 0.59% (p25 of band) | 0.88% |
| Net interest margin | 3.48% (p41 of band) | 3.62% |
| Efficiency ratio | 76.06% (p70 of band) | |
| Noncurrent loans | 0.84% (p44 of band) | 0.96% |
| Net charge-offs (annualized) | 0.46% (p92 of band) | |
| Reserve coverage of noncurrent | 79.91% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 9.77% (p17 of band) | |
| Auto loans | $44,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -3.2% | |
| Employees | 193 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2014-06 | 2 | reserve under noncurrent |  |
| 2014-09 | 3 | uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-10-27 [3rd Fed becomes National Penn on Monday morning - PhillyBurbs](https://news.google.com/rss/articles/CBMirAFBVV95cUxOSGNXRlZvV2FTOWEyUmpKc19QOGF4ZnlFN2I4UFNZZkljaUhLLWdPQVc2MDc2aURZcU5XYnJwbnVwakppUlM4aWhvTEZKclFPYm1DelVfandoYUlpOHhXaEYwejRBZ29adGZ2VENrN2VzeFNoWGdHZWo3VE16NnVTMnkwd0dpUnF0UGh5cmppalFtelBBUk9ZVEZiQ3duVW9RS2k0Y0NNSDlYTzVT?oc=5) · PhillyBurbs
- 2014-02-26 [3rd Fed Bank proudly supports Habitat for Humanity of Burlington - Burlington County Times](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOR0hyTnowSlpaaDRsSFFXNHRQWkpTbG9OV1dMUkRJN3dSRUR4dG1SX1hJUm5VMGhZR1pXRm95NG1YM3RJdDNjZUF2RHFnbHJ5ZE1sVnBaOHdXYjJVdUs2Vy1YX0lMTjZXczE3WTJPbl9mSVBqMm1rNGdjblNKZDd6Y3R0c28yc2U3QVVsS1dTYm1QVTIzNTY3STlFVTJUUTB0dm53YV93TnFVZw?oc=5) · Burlington County Times
- 2013-04-04 [3rd Fed Bank proudly supports local United Way - PhillyBurbs](https://news.google.com/rss/articles/CBMirgFBVV95cUxNdm0xZVhLaDNzYUZHTnlRSVdVNURWc3FLRU1UZ3lmZ2pzQlB3RnBncUVDWjV6TzNhOGZqWnpuQ3BscmxCOGhUdG8zeFJKSVUyM3pEVS1kWGRYd2YxaGdQNWFGQ1RVZXdFdElwdGZDZzR1SWxpa0RtSkNzNjRPZ0JlUFFTeDVyVk1QeWt4aERObVNmT2lwbG5GZXBJUmRDNkNDUXJrRFlsbnB5Q25YeUE?oc=5) · PhillyBurbs
- 2014-01-14 [Delran Bank Robber Arrested: Prosecutor - Patch](https://news.google.com/rss/articles/CBMihgFBVV95cUxQdGVUS0t1bGFlcXdWOEVmR0FDcDhhek9qWkdEYk9jX3FrZUdzdUNtb0dVbU9kU1ZBZlhQb1hxaFpSdkxpdEtyMHduNTE5ZmFrbFd0bTZRVDVyeG02bU9iYkRDT2Y0cWluMzVWR3FiMWhBMklWUWREWkJFWE0zXzhHTF9KeWN4Zw?oc=5) · Patch
- 2013-02-04 [On the Boards - Inquirer.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE52QUJSLWFuZ29Lbk5jLUNEV3lfSVBzbXlrNEo5VXdFY19VRUZQcFB1TDY1Q21UQXpLMFkxaXJLbHBLSVVSOFY2NkxUV3ZxU1U0OTBsMzdCaDQwX3lUd2tmN2pUdUY1cDJETzhaczZVT0hKQnBEcXNB?oc=5) · Inquirer.com
- 2014-03-12 [3rd Fed Bank executive awarded seat to Community Lenders Bank Board - PhillyBurbs](https://news.google.com/rss/articles/CBMirgFBVV95cUxQMEdIMTF1RHBmdkdFTDZJTjdld015X0hnZHRlRFBWQWEwczhxUHFMMVJoTlF4YjU2aDFGTjY4ZG53UzlWN2VfellpU2RDcW9BY19XZVJxejJMR29Ma2VoWlFwOWUxWm5lbDZCdzBVTlRadEZjUThZbG1XSEhQZmMxOEk4cEc1Z0g1emhINHdmYkYyQWViT21kUDU4bS1faUJxMUNQXzhrMzVzZEVSbnc?oc=5) · PhillyBurbs
- 2014-01-14 [Suspect arrested in two Delran bank heists - Burlington County Times](https://news.google.com/rss/articles/CBMirgFBVV95cUxPUnowQ0plRG5fRmhlWTdpUVJuWG5oZUVSek1jTzJFN3ZCM3JJbi1zN2NmMXR4dXVFeV9CRjNhbHJIS1ozQjdrOHNjT3RDLTgzbExhS19RLVBfR3F0MWRKNU56bG1SOTBCeDFGQU9SVUQ4RTlBSVZfQ2ZSMXlYSTJLSkR3TkYzNzE3VWROZkNDT3o3TnVzRWViVjRBUWMwekdoMVNZT1pUYjdXZVhsUmc?oc=5) · Burlington County Times
- 2014-01-23 [Edgewater Park man charged in Willingboro bank holdup - Burlington County Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxNT25QUElITndPQllYdHlEUzZyV0NKUDYyQXEtTEJBanFFcnZQWExEWnAtazNSSENFSExCYVpiTmMyTXJXVFJvUjU3anNudEYwYmhkMWdzV0tCYV84V2VsLTM2eGxiMldzYzVmX0hHcWRHQmQxeXRtRzdLZ1l6NjA1YlIyM056SENaaHZFTmxQWFhDR2YwWU0zNG01Z2xlV0txWHN6MUx5R2d1ZlhK?oc=5) · Burlington County Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29132 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "29132", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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