Central Savings and Loan Association in Columbia, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 01, 1993

Central Savings and Loan Association in Columbia, Pennsylvania (PA)
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Central Savings and Loan Association - Overview

General
FDIC Certificate #: 31794
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Susquehanna Bank (#7579)
Federal Reserve ID: 463173
Date Established: January 01, 1925
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 7472
FDIC's unique #: 44628
Numeric code: 35
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: Yes
Date of Deposit Insurance: July 13, 1976
Last Structure Change Effective Date: September 01, 1993
Last Structure Change Process Date: October 13, 1993
Last Data Update: October 13, 1993
Data Source Date: April 05, 2012
Location
Address: 325 Locust Street, Columbia, PA 17512
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: $69.7 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$24Total assets
$73,783Cash and due from depository institutions
$26,295Interest-bearing balances
$26,152Securities
$333Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$44,646Loan loss allowance
$465Trading account assets
$0Bank premises and fixed assets
$229Other real estate owned
$225Goodwill and other intangibles
$2,055Life insurance assets
$0All other assets
$0Total liabilities and capital
$73,783Total liabilities
$67,829Total deposits
$66,864Interest-bearing deposits
$66,607Deposits held in domestic offices
66864.00%% insured (estimated)
$99Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$965Total equity capital
$965Total bank equity capital
$5,954Perpetual preferred stock
$0Common stock
$1Surplus
$2,029Undivided profits
Memoranda
$3,924Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$743Income earned, not collected on loans
$375Earning assets
$71,131Long-term assets (5+ years)
$0Average Assets, year-to-date
$73,988Average Assets, quarterly
$73,977Volatile liabilities
$3,202Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,139Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,954Total risk weighted assets
$35,400Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$6,599Total interest expense
$4,280Net interest income
$2,319Provision for loan and lease losses
$189Total noninterest income
$980Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$980Total noninterest expense
$2,050Salaries and employee benefits
$975Premises and equipment expense
$241Additional noninterest expense
$834Pre-tax net operating income
$1,060Securities gains (losses)
$254Applicable income taxes
$548Income before extraordinary items
$766Extraordinary gains - net
$0Net income attributable to bank
$766Net charge-offs
$0Cash dividends
$128Sale, conversion, retirement of capital stock, net
$109Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.29%Cost of funding earning assets
6.03%Net interest margin
3.27%Noninterest income to earning assets
1.38%Noninterest expense to earning assets
2.89%Net operating income to assets
0.82%Return on assets (ROA)
1.04%Pretax return on assets
1.78%Return on equity (ROE)
13.74%Retained earnings to average equity (YTD only)
11.44%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,140Assets per employee
3.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
16.71%Loss allowance to loans
1.03%Loss allowance to noncurrent loans
62.58%Noncurrent assets plus other real estate owned to assets
1.31%Noncurrent loans to loans
1.65%Net loans and leases to deposits
66.77%Net loans and leases to core deposits
70.13%Equity capital to assets
8.07%Core capital (leverage) ratio
8.07%Tier 1 risk-based capital ratio
16.82%Total risk-based capital ratio
Memoranda
$18Average assets
$73,988Average earning assets
$5,575Average equity
$71,019Average loans

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