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<SEC-DOCUMENT>0001056943-10-000026.txt : 20101026
<SEC-HEADER>0001056943-10-000026.hdr.sgml : 20101026
<ACCEPTANCE-DATETIME>20101026143911
ACCESSION NUMBER:		0001056943-10-000026
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20100930
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20101026
DATE AS OF CHANGE:		20101026

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PEOPLES FINANCIAL SERVICES CORP.
		CENTRAL INDEX KEY:			0001056943
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				232391852
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23863
		FILM NUMBER:		101141828

	BUSINESS ADDRESS:	
		STREET 1:		82 FRANKLIN AVENUE
		CITY:			HALLSTEAD
		STATE:			PA
		ZIP:			18822
		BUSINESS PHONE:		5708792175

	MAIL ADDRESS:	
		STREET 1:		82 FRANKLIN AVENUE
		CITY:			HALLSTEAD
		STATE:			PA
		ZIP:			18822

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PEOPLES FINANCIAL SERVICES CORP/
		DATE OF NAME CHANGE:	19980303
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
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<FILENAME>form8k.htm
<DESCRIPTION>PFSC THIRD QUARTER 2010 EARNINGS RELEASE
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Washington, D.C. 20549</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CURRENT REPORT</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Date of Report &#8211; October 25, 2010</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">99: Press Release of Peoples Financial Services Corp., dated October 25,&#160;&#160;2010, regarding Third Quarter 2010 Earnings</font></div>
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<TYPE>EX-99
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<FILENAME>ex99.htm
<DESCRIPTION>PFSC THIRD QUARTER 2010 EARNINGS PRESS RELEASE
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Peoples Financial Services Corp. Third Quarter 2010 Earnings Report</font></div>

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<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Net income increases by 24.78%.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Net income through nine months in 2010 was $4,442,000 compared to $3,580,000 for the same period in 2009, an increase of 24.78%.&#160;&#160;Though interest margins decreased for both the quarter and year-to-date periods ended September 30, 2010, strong growth in earning assets caused the increase to net interest income. For the quarter ended September 30, 2010, net income was $1,400,000 compared to $786,000 for the quarter ended September 30, 2009. Earnings per share and diluted earnings per share were $0.45 and $0.44, respectively, for the three months ended September 30, 2010. This compares with the $0.25 earnings per share and diluted earnings per share for the same three month period in 2009, an increase of 80% and 76%. Earnings per share and diluted earnings per share were $1.42 and $1.41, respectively, for the nine months ended S
eptember 30, 2010. This compares with the $1.14 earnings per share and diluted earnings per share for the same nine month period in 2009, an increase of 24%. Further financial details are as follows; the provision for loan loss increased $652,000 when comparing the nine month period ended September 30, 2010 to the same period in 2009. This is an increase of 47.59% and became necessary due to a large commercial credit which had deteriorated to the point where its ultimate collectability was called into question. Conversely, an available for sale security loss of $1,229,000 incurred during the nine months ended September 30, 2009 was not replicated during the same nine month period in 2010.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Core earnings have remained strong as evidenced by net interest income for the first nine months of 2010 which was $14,006,000 compared to $12,696,000 for the nine month period ended September 30, 2009. This is an increase of $1,310,000, or 10.32%. For the quarter ended September 30, 2010, net interest income was $4,705,000 compared to $4,228,000 for the same period in 2009. This was an increase of $477,000, or 11.28%. The increase in net interest income for the nine months ended September 30, 2010 is due to the large increase in average earning assets, $512,282,000 for the nine months of September 30, 2010 compared to $433,026,000 for the same period in 2009. Net interest margin decreased to 3.97% for the nine months ending September 30, 2010 compared to 4.28% for the same period in 2009, on a fully tax equivalent basis. The increase 
in net interest income for the three months ended September 30, 2010 is also the result of the increase in average earning assets, $529,485,000 at September 30, 2010 compared to $434,428,000 at September 30, 2009. The net interest margin decreased to 3.84% as compared to 4.94% for the three month period ended September 30, 2009, on a fully tax equivalent basis.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Total assets on September 30, 2010 were $564,563,000, which compares favorably to $472,016,000 as of September 30, 2009, an increase of 19.61%.&#160;&#160;Total assets increased from the December 31, 2009 figure of $516,483,000. Compared to the September 30, 2009 figure of $321,936,000, net loans increased 14.23% to $367,739,000 as of September 30, 2010. On December 31, 2009, net loans were $332,966,000 which is an increase of 10.44%.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Deposits totaled $436,126,000 as of September 30, 2010, compared to $366,215,000 on September 30, 2009, an increase of 19.09%.</font></div>

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<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Peoples Financial Services Corp., Hallstead Pennsylvania, is the parent company of <font style="FONT-STYLE: italic; DISPLAY: inline">Peoples National Bank</font>, an independent community bank with eleven community offices.&#160;&#160;The community office locations are:&#160;&#160;Hallstead, Hop Bottom, Susquehanna, and Montrose, in Susquehanna County, Pennsylvania; Nicholson, Tunkhannock and Meshoppen, in Wyoming County, Pennsylvania; Glenburn in Lackawanna County, Pennsylvania; and Conklin, Deposit, and Binghamton, in Broome County, New York, <font style="FONT-STYLE: italic; DISPLAY: inline">Peoples Advisors, LLC, </font>a member-managed limited liability company for the purpose of providing investment advisory services to the general public, and <font style="FONT-STYLE: italic; DISPLAY: inline">Peoples Financial Capital Corporation</font> which main activities are the maintenance and management of intangible investments and the c
ollection and distribution of the income from such investments.</font></div>
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