# PENN SECURITY BANK&TRUST CO
SCRANTON, PA · FDIC certificate 463 · asset band $300M-1B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $913.6M | |
| Deposits | $728.3M | |
| Loans and leases | $655.9M | |
| Total equity | $130.1M | |
| Loans / deposits | 88.98% (p77 of band) | 77.22% |
| Liquid assets / assets | 20.94% (p27 of band) | |
| Uninsured deposits / deposits | 20.29% (p60 of band) | 17.49% |
| Brokered deposits | 2.68% | |
| Wholesale funding | 7.62% (p60 of band) | |
| FHLB advances / assets | 3.83% | |
| Tier 1 leverage | 11.45% (p76 of band) | 9.97% |
| Unrealized securities loss / equity | 2.24% (p90 of band) | -0.65% |
| AOCI / equity | -1.75% (p65 of band) | |
| ROA (annualized) | 1.13% (p72 of band) | 0.83% |
| Net interest margin | 3.76% (p62 of band) | 3.56% |
| Efficiency ratio | 65.84% (p39 of band) | |
| Noncurrent loans | 0.51% (p23 of band) | 1.31% |
| Net charge-offs (annualized) | 0.06% (p41 of band) | |
| Reserve coverage of noncurrent | 236.79% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 13.47% (p25 of band) | |
| Auto loans | $35.0M (5.34% of loans; DQ 0.43%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 208 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=463 (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/15.json (key "463", 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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