Knoblauch State Bank in Reading, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 24, 1995

Knoblauch State Bank in Reading, Pennsylvania (PA)
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Knoblauch State Bank - Overview

General
FDIC Certificate #: 33586
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Royal Bank America (#18962)
Federal Reserve ID: 1957624
Date Established: April 20, 1992
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
FDIC's unique #: 47531
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: April 20, 1992
Last Structure Change Effective Date: July 24, 1995
Last Structure Change Process Date: October 03, 1995
Last Data Update: October 03, 1995
Data Source Date: April 05, 2012
Location
Address: 501 Washington Street, Reading, PA 19601
County: Berks
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): Reading, PA (#6680)
Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
Core Based Statistical Area (CBSA): Reading, PA (#39740)
CBSA Metro Statistical Area: Reading, PA (#39740)
Financial Summary
Total assets: $95.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$52Total assets
$101,947Cash and due from depository institutions
$2,698Interest-bearing balances
$0Securities
$36,696Federal funds sold & reverse repurchase agreements
$3,900Net loans & leases
$54,648Loan loss allowance
$4,141Trading account assets
$0Bank premises and fixed assets
$857Other real estate owned
$1,008Goodwill and other intangibles
$1,359Life insurance assets
$781All other assets
$0Total liabilities and capital
$101,947Total liabilities
$93,287Total deposits
$92,238Interest-bearing deposits
$86,263Deposits held in domestic offices
92238.00%% insured (estimated)
$99Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,049Total equity capital
$1,049Total bank equity capital
$8,660Perpetual preferred stock
$0Common stock
$2,149Surplus
$12,208Undivided profits
Memoranda
$-5,697Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$9,750Income earned, not collected on loans
$435Earning assets
$95,244Long-term assets (5+ years)
$19,581Average Assets, year-to-date
$110,093Average Assets, quarterly
$103,444Volatile liabilities
$2,695Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,896Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,879Total risk weighted assets
$52,840Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$7,285Total interest expense
$3,793Net interest income
$3,492Provision for loan and lease losses
$1,000Total noninterest income
$1,236Fiduciary activities
$0Service charges on deposit accounts
$296Trading account gains & fees
$0Additional noninterest income
$940Total noninterest expense
$6,352Salaries and employee benefits
$2,529Premises and equipment expense
$744Additional noninterest expense
$3,079Pre-tax net operating income
-$2,624Securities gains (losses)
-$2Applicable income taxes
$0Income before extraordinary items
-$2,626Extraordinary gains - net
$0Net income attributable to bank
-$2,626Net charge-offs
$3,678Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.12%Cost of funding earning assets
3.71%Net interest margin
3.41%Noninterest income to earning assets
1.21%Noninterest expense to earning assets
6.21%Net operating income to assets
-2.38%Return on assets (ROA)
-2.39%Pretax return on assets
-2.39%Return on equity (ROE)
-25.59%Retained earnings to average equity (YTD only)
-25.59%Net charge-offs to loans
5.38%Credit loss provision to net charge-offs
27.19%Efficiency ratio
130,986Assets per employee
1.96%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
7.04%Loss allowance to noncurrent loans
42.47%Noncurrent assets plus other real estate owned to assets
10.55%Noncurrent loans to loans
16.58%Net loans and leases to deposits
59.25%Net loans and leases to core deposits
61.03%Equity capital to assets
8.49%Core capital (leverage) ratio
7.76%Tier 1 risk-based capital ratio
14.91%Total risk-based capital ratio
Memoranda
$16Average assets
$110,093Average earning assets
$10,263Average equity
$102,351Average loans

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