Keystone Financial Bank, National Association in Harrisburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 07, 2000

  • Keystone Financial Bank, National Association in Harrisburg, Pennsylvania (PA)
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Keystone Financial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 7712
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Manufacturers and Traders Trust Company (#588)
    Federal Reserve ID: 96012
    Date Established: September 26, 1866
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 190 (Interstate: No)
    OTS Docket #: 9806
    FDIC's unique #: 4982
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 07, 2000
    Last Structure Change Process Date: November 08, 2000
    Last Data Update: November 08, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: One Keystone Plaza, Front And Market Streets, Harrisburg, PA 17101
    County: Dauphin
    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): Harrisburg-Lebanon-Carlisle, PA (#3240)
    Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
    Core Based Statistical Area (CBSA): Harrisburg-Carlisle, PA (#25420)
    CBSA Metro Statistical Area: Harrisburg-Carlisle, PA (#25420)
  • Financial Summary
  • Total assets: $6,760.9 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 2,396Total employees (full-time equivalent)
  • $6,775,685Total assets
  • $331,909Cash and due from depository institutions
  • $777Interest-bearing balances
  • $1,571,846Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $4,508,835Net loans & leases
  • $59,975Loan loss allowance
  • $0Trading account assets
  • $116,489Bank premises and fixed assets
  • $8,038Other real estate owned
  • $63,930Goodwill and other intangibles
  • $0Life insurance assets
  • $174,638All other assets
  • $6,775,685Total liabilities and capital
  • $6,211,584Total liabilities
  • $4,965,675Total deposits
  • $4,300,925Interest-bearing deposits
  • $4,965,675Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $362,548Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $778,776Other borrowed funds
  • $0Subordinated debt
  • $104,585All other liabilities
  • $564,101Total equity capital
  • $564,101Total bank equity capital
  • $564,101Perpetual preferred stock
  • $0Common stock
  • $7,750Surplus
  • $275,395Undivided profits
  • Memoranda
  • $280,956Noncurrent loans and leases
  • $1,007,603Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $50,532Earning assets
  • $2,033Long-term assets (5+ years)
  • $26,606Average Assets, year-to-date
  • $6,081,458Average Assets, quarterly
  • $2,529,725Volatile liabilities
  • $6,721,153Insider loans
  • $6,753,901FHLB advances
  • $984,221Loans and leases held for sale
  • $156,511Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $635,237Tier 2 risk-based capital
  • $110,203Total risk weighted assets
  • $1,007,603Total unused commitments
  • $797Restructured Loans and leases
  • $59,747Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $477,764Total interest income
  • $219,844Total interest expense
  • $257,920Net interest income
  • $23,376Provision for loan and lease losses
  • $92,459Total noninterest income
  • $17,907Fiduciary activities
  • $28,914Service charges on deposit accounts
  • $0Trading account gains & fees
  • $45,638Additional noninterest income
  • $247,169Total noninterest expense
  • $95,386Salaries and employee benefits
  • $38,346Premises and equipment expense
  • $113,437Additional noninterest expense
  • $79,834Pre-tax net operating income
  • -$1,532Securities gains (losses)
  • $21,781Applicable income taxes
  • $56,521Income before extraordinary items
  • $0Extraordinary gains - net
  • $56,521Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $23,675Sale, conversion, retirement of capital stock, net
  • $71,575Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.76%Yield on earning assets
  • 3.57%Cost of funding earning assets
  • 4.19%Net interest margin
  • 1.50%Noninterest income to earning assets
  • 4.01%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 9.63%Return on equity (ROE)
  • -2.57%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 98.74%Credit loss provision to net charge-offs
  • 4.36%Efficiency ratio
  • 69,401Assets per employee
  • 2.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 126.63%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 118.69%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 1.11%Net loans and leases to deposits
  • 90.80%Net loans and leases to core deposits
  • 99.35%Equity capital to assets
  • 8.33%Core capital (leverage) ratio
  • 7.82%Tier 1 risk-based capital ratio
  • 10.99%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $6,721,153Average earning assets
  • $586,819Average equity
  • $6,158,653Average loans

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