American Home Bank, N.A. in Mountville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 2008

  • American Home Bank, N.A. in Mountville, Pennsylvania (PA)
  • Show street view No street view available for this location

American Home Bank, N.A. - Overview

  • General
  • FDIC Certificate #: 57174
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank of Chester County (#7802)
    Federal Reserve ID: 3023493
    Date Established: August 06, 2001
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 359005
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: August 06, 2001
    Last Structure Change Effective Date: December 31, 2008
    Last Structure Change Process Date: January 28, 2009
    Last Data Update: January 28, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 3840 Hempland Road, Mountville, PA 17554
    County: Lancaster
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Lancaster, PA (#4000)
    Core Based Statistical Area (CBSA): Lancaster, PA (#29540)
    CBSA Metro Statistical Area: Lancaster, PA (#29540)
  • Financial Summary
  • Total assets: $235.4 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, 2007)

  • Dollar figures in thousands
  • 287Total employees (full-time equivalent)
  • $266,050Total assets
  • $5,916Cash and due from depository institutions
  • $524Interest-bearing balances
  • $11,492Securities
  • $4,435Federal funds sold & reverse repurchase agreements
  • $220,004Net loans & leases
  • $1,248Loan loss allowance
  • $0Trading account assets
  • $2,230Bank premises and fixed assets
  • $687Other real estate owned
  • $2,096Goodwill and other intangibles
  • $1,330Life insurance assets
  • $19,190All other assets
  • $266,050Total liabilities and capital
  • $249,084Total liabilities
  • $178,358Total deposits
  • $169,771Interest-bearing deposits
  • $178,358Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $5,000Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $61,750Other borrowed funds
  • $0Subordinated debt
  • $3,976All other liabilities
  • $16,966Total equity capital
  • $16,966Total bank equity capital
  • $16,966Perpetual preferred stock
  • $0Common stock
  • $1,676Surplus
  • $16,135Undivided profits
  • Memoranda
  • $-845Noncurrent loans and leases
  • $50,208Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,574Earning assets
  • $0Long-term assets (5+ years)
  • $947Average Assets, year-to-date
  • $236,455Average Assets, quarterly
  • $125,485Volatile liabilities
  • $204,096Insider loans
  • $242,778FHLB advances
  • $95,312Loans and leases held for sale
  • $3,500Unused loan commitments
  • $61,750Tier 1 (core) risk-based capital
  • $166,280Tier 2 risk-based capital
  • $157,463Total risk weighted assets
  • $50,208Total unused commitments
  • $0Restructured Loans and leases
  • $1,248Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $11,999Total interest income
  • $8,477Total interest expense
  • $3,522Net interest income
  • $200Provision for loan and lease losses
  • $13,786Total noninterest income
  • $0Fiduciary activities
  • $1Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13,785Additional noninterest income
  • $17,769Total noninterest expense
  • $7,599Salaries and employee benefits
  • $2,838Premises and equipment expense
  • $7,332Additional noninterest expense
  • -$661Pre-tax net operating income
  • $356Securities gains (losses)
  • $0Applicable income taxes
  • -$305Income before extraordinary items
  • $0Extraordinary gains - net
  • -$305Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $230Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.82%Yield on earning assets
  • 4.82%Cost of funding earning assets
  • 2.00%Net interest margin
  • 7.83%Noninterest income to earning assets
  • 10.09%Noninterest expense to earning assets
  • -0.32%Net operating income to assets
  • -0.15%Return on assets (ROA)
  • -0.15%Pretax return on assets
  • -1.82%Return on equity (ROE)
  • -1.82%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 86.96%Credit loss provision to net charge-offs
  • -2.00%Efficiency ratio
  • 102,606Assets per employee
  • 0.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.56%Loss allowance to noncurrent loans
  • 48.48%Noncurrent assets plus other real estate owned to assets
  • 1.23%Noncurrent loans to loans
  • 1.16%Net loans and leases to deposits
  • 123.35%Net loans and leases to core deposits
  • 179.16%Equity capital to assets
  • 6.38%Core capital (leverage) ratio
  • 6.64%Tier 1 risk-based capital ratio
  • 9.82%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $204,096Average earning assets
  • $16,782Average equity
  • $176,032Average loans

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