BLC Bank N. A. in Strasburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 08, 2008

  • BLC Bank N. A. in Strasburg, Pennsylvania (PA)
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BLC Bank N. A. - Overview

  • General
  • FDIC Certificate #: 7768
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: PNC Bank, National Association (#6384)
    Federal Reserve ID: 872711
    Date Established: May 16, 1863
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 66 (Interstate: No)
    OTS Docket #: 9426
    FDIC's unique #: 5013
    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: January 01, 1934
    Last Structure Change Effective Date: August 08, 2008
    Last Structure Change Process Date: January 09, 2009
    Last Data Update: January 09, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: Center Square, Strasburg, PA 17579
    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: $3,653.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 595Total employees (full-time equivalent)
  • $3,225,163Total assets
  • $412,553Cash and due from depository institutions
  • $10,665Interest-bearing balances
  • $405,057Securities
  • $97Federal funds sold & reverse repurchase agreements
  • $2,021,068Net loans & leases
  • $30,599Loan loss allowance
  • $0Trading account assets
  • $44,616Bank premises and fixed assets
  • $304Other real estate owned
  • $54,597Goodwill and other intangibles
  • $34,488Life insurance assets
  • $286,871All other assets
  • $3,225,163Total liabilities and capital
  • $2,997,001Total liabilities
  • $2,747,266Total deposits
  • $2,461,201Interest-bearing deposits
  • $2,747,266Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $31,828Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $174,248Other borrowed funds
  • $0Subordinated debt
  • $43,659All other liabilities
  • $228,162Total equity capital
  • $228,162Total bank equity capital
  • $228,162Perpetual preferred stock
  • $0Common stock
  • $17,439Surplus
  • $224,139Undivided profits
  • Memoranda
  • $-13,416Noncurrent loans and leases
  • $662,585Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $12,171Earning assets
  • $0Long-term assets (5+ years)
  • $12,562Average Assets, year-to-date
  • $2,436,887Average Assets, quarterly
  • $606,152Volatile liabilities
  • $3,197,411Insider loans
  • $3,200,359FHLB advances
  • $429,943Loans and leases held for sale
  • $4,107Unused loan commitments
  • $169,044Tier 1 (core) risk-based capital
  • $209,555Tier 2 risk-based capital
  • $4,425Total risk weighted assets
  • $662,585Total unused commitments
  • $0Restructured Loans and leases
  • $29,277Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $178,327Total interest income
  • $97,636Total interest expense
  • $80,691Net interest income
  • $11,113Provision for loan and lease losses
  • $64,665Total noninterest income
  • $5,824Fiduciary activities
  • $10,681Service charges on deposit accounts
  • $0Trading account gains & fees
  • $48,160Additional noninterest income
  • $144,737Total noninterest expense
  • $30,052Salaries and employee benefits
  • $13,204Premises and equipment expense
  • $101,481Additional noninterest expense
  • -$10,494Pre-tax net operating income
  • $3,367Securities gains (losses)
  • -$5,603Applicable income taxes
  • -$1,524Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,524Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2,951Sale, conversion, retirement of capital stock, net
  • $5,550Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.76%Yield on earning assets
  • 3.70%Cost of funding earning assets
  • 3.06%Net interest margin
  • 2.45%Noninterest income to earning assets
  • 5.49%Noninterest expense to earning assets
  • -0.12%Net operating income to assets
  • -0.05%Return on assets (ROA)
  • -0.22%Pretax return on assets
  • -0.62%Return on equity (ROE)
  • -2.86%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 376.58%Credit loss provision to net charge-offs
  • 0.21%Efficiency ratio
  • 99,008Assets per employee
  • 5.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -364.17%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 251.41%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 73.57%Net loans and leases to core deposits
  • 84.05%Equity capital to assets
  • 7.07%Core capital (leverage) ratio
  • 4.07%Tier 1 risk-based capital ratio
  • 5.41%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $3,197,411Average earning assets
  • $246,917Average equity
  • $2,636,907Average loans

Total Fiduciary and Related Assets (December 31, 2007)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,071,827Managed Assets
  • 1Number of Accounts
  • $867,969Personal trust and agency accounts
  • $389,668Employee benefit-defined contribution accounts
  • $62,450Employee benefit-defined benefit accounts
  • $54,812Other retirement accounts
  • $86,191Corporate trust and agency accounts
  • $1,155Investment management agency accounts
  • $461Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $273,232Non-managed Assets
  • 2194Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $203,858Other retirement accounts
  • $8,195Corporate trust and agency accounts
  • $149,022Other fiduciary accounts
  • $20,011Fiduciary accounts held in foreign offices

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