Peoples Bank of Unity in city_name, state_name - Detailed Financial Reports, Location

Peoples Bank of Unity in Plum Borough, Pennsylvania (PA)
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Peoples Bank of Unity - Overview

General
FDIC Certificate #: 6027
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: S&T Bank (#11124)
Federal Reserve ID: 772325
Date Established: January 04, 1918
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
FDIC's unique #: 4074
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: January 01, 1934
Last Structure Change Effective Date: May 02, 1997
Last Structure Change Process Date: June 16, 1997
Last Data Update: June 16, 1997
Data Source Date: April 05, 2012
Location
Address: 7660 Saltsburg Road, Plum Borough, PA 15239
County: Allegheny
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Wexford
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Pittsburgh, PA (#6280)
Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430)
Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300)
CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
Financial Summary
Total assets: $287.4 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)
$105Total assets
$291,174Cash and due from depository institutions
$7,391Interest-bearing balances
$0Securities
$118,116Federal funds sold & reverse repurchase agreements
$6,465Net loans & leases
$152,322Loan loss allowance
$1,686Trading account assets
$0Bank premises and fixed assets
$4,112Other real estate owned
$122Goodwill and other intangibles
$2,646Life insurance assets
$0All other assets
$0Total liabilities and capital
$291,174Total liabilities
$241,332Total deposits
$238,165Interest-bearing deposits
$194,591Deposits held in domestic offices
238165.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$225Subordinated debt
$0All other liabilities
$2,942Total equity capital
$2,942Total bank equity capital
$49,842Perpetual preferred stock
$0Common stock
$1,156Surplus
$13,544Undivided profits
Memoranda
$35,142Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,988Income earned, not collected on loans
$785Earning assets
$276,903Long-term assets (5+ years)
$145,875Average Assets, year-to-date
$288,517Average Assets, quarterly
$289,608Volatile liabilities
$12,414Insider loans
$10,239FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$22,353Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$47,836Total risk weighted assets
$156,945Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$21,009Total interest expense
$7,044Net interest income
$13,965Provision for loan and lease losses
$875Total noninterest income
$754Fiduciary activities
$0Service charges on deposit accounts
$427Trading account gains & fees
$0Additional noninterest income
$327Total noninterest expense
$6,887Salaries and employee benefits
$3,168Premises and equipment expense
$1,217Additional noninterest expense
$2,502Pre-tax net operating income
$6,957Securities gains (losses)
$51Applicable income taxes
$2,015Income before extraordinary items
$4,993Extraordinary gains - net
$0Net income attributable to bank
$4,993Net charge-offs
$316Cash dividends
$1,453Sale, 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
7.68%Cost of funding earning assets
2.57%Net interest margin
5.10%Noninterest income to earning assets
0.28%Noninterest expense to earning assets
2.52%Net operating income to assets
1.72%Return on assets (ROA)
1.73%Pretax return on assets
2.43%Return on equity (ROE)
10.38%Retained earnings to average equity (YTD only)
7.36%Net charge-offs to loans
0.23%Credit loss provision to net charge-offs
276.90%Efficiency ratio
46,790Assets per employee
2.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
29.10%Loss allowance to loans
1.09%Loss allowance to noncurrent loans
84.81%Noncurrent assets plus other real estate owned to assets
0.72%Noncurrent loans to loans
1.29%Net loans and leases to deposits
63.96%Net loans and leases to core deposits
67.47%Equity capital to assets
17.12%Core capital (leverage) ratio
16.53%Tier 1 risk-based capital ratio
30.48%Total risk-based capital ratio
Memoranda
$32Average assets
$288,517Average earning assets
$48,124Average equity
$273,726Average loans

Peoples Bank of Unity in Plum Borough, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank of Unity - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

Peoples Bank of Unity in Plum Borough, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank of Unity - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

Peoples Bank of Unity in Plum Borough, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches