Montour Bank in Danville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1997

Montour Bank in Danville, Pennsylvania (PA)
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Montour Bank - Overview

General
FDIC Certificate #: 32956
Status: Inactive
Closing history: Corrections
Acquiring institution: Omega Bank, National Association (#7575)
Federal Reserve ID: 1450518
Date Established: May 15, 1990
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
OTS Docket #: 10781
FDIC's unique #: 46133
Numeric code: 13
Regulator: FED
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: May 15, 1990
Last Structure Change Effective Date: January 01, 1997
Last Structure Change Process Date: January 10, 1997
Last Data Update: January 29, 1997
Data Source Date: April 05, 2012
Location
Address: 1519 Bloom Road, Danville, PA 17821
County: Montour
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
Core Based Statistical Area (CBSA): Bloomsburg-Berwick, PA (#14100)
CBSA Micro Statistical Area: Yes
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $42.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$9Total assets
$42,441Cash and due from depository institutions
$682Interest-bearing balances
$48Securities
$258Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$36,985Loan loss allowance
$401Trading account assets
$0Bank premises and fixed assets
$1,021Other real estate owned
$120Goodwill and other intangibles
$1,045Life insurance assets
$2,330All other assets
$0Total liabilities and capital
$42,441Total liabilities
$36,343Total deposits
$27,742Interest-bearing deposits
$26,370Deposits held in domestic offices
27742.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$7,855Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$746Total equity capital
$746Total bank equity capital
$6,098Perpetual preferred stock
$0Common stock
$2,090Surplus
$2,069Undivided profits
Memoranda
$1,939Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$209Income earned, not collected on loans
$985Earning assets
$37,291Long-term assets (5+ years)
$3,008Average Assets, year-to-date
$42,601Average Assets, quarterly
$43,039Volatile liabilities
$9,595Insider loans
$415FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$854Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,768Total risk weighted assets
$35,593Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$3,280Total interest expense
$1,808Net interest income
$1,472Provision for loan and lease losses
$70Total noninterest income
$80Fiduciary activities
$0Service charges on deposit accounts
$28Trading account gains & fees
$0Additional noninterest income
$52Total noninterest expense
$997Salaries and employee benefits
$237Premises and equipment expense
$74Additional noninterest expense
$686Pre-tax net operating income
$485Securities gains (losses)
$0Applicable income taxes
$177Income before extraordinary items
$308Extraordinary gains - net
$0Net income attributable to bank
$308Net charge-offs
$97Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.76%Cost of funding earning assets
4.83%Net interest margin
3.93%Noninterest income to earning assets
0.21%Noninterest expense to earning assets
2.66%Net operating income to assets
0.72%Return on assets (ROA)
0.72%Pretax return on assets
1.14%Return on equity (ROE)
5.18%Retained earnings to average equity (YTD only)
5.18%Net charge-offs to loans
0.26%Credit loss provision to net charge-offs
72.16%Efficiency ratio
53,157Assets per employee
4.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
191.87%Noncurrent assets plus other real estate owned to assets
0.78%Noncurrent loans to loans
0.56%Net loans and leases to deposits
133.32%Net loans and leases to core deposits
142.24%Equity capital to assets
14.37%Core capital (leverage) ratio
9.26%Tier 1 risk-based capital ratio
10.59%Total risk-based capital ratio
Memoranda
$12Average assets
$42,601Average earning assets
$5,941Average equity
$37,450Average loans

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