FDIC Certificate #: 7661 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:ACNB Bank (#7506) Federal Reserve ID: 269816 Date Established: January 01, 1909 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) FDIC's unique #: 4963 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 01, 2000 Last Structure Change Process Date: November 17, 2000 Last Data Update: November 17, 2000 Data Source Date: April 05, 2012
Location
Address: 1 Big Spring Avenue, Newville, PA 17241 County: Cumberland 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: $43.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$44,209Total assets
$2,791Cash and due from depository institutions
$625Interest-bearing balances
$22,512Securities
$1,711Federal funds sold & reverse repurchase agreements
$16,038Net loans & leases
$174Loan loss allowance
$0Trading account assets
$337Bank premises and fixed assets
$83Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$737All other assets
$44,209Total liabilities and capital
$38,507Total liabilities
$38,097Total deposits
$30,171Interest-bearing deposits
$38,097Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$410All other liabilities
$5,702Total equity capital
$5,702Total bank equity capital
$5,702Perpetual preferred stock
$0Common stock
$125Surplus
$710Undivided profits
Memoranda
$4,867Noncurrent loans and leases
$404Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$578Earning assets
$0Long-term assets (5+ years)
$105Average Assets, year-to-date
$40,886Average Assets, quarterly
$15,002Volatile liabilities
$45,060Insider loans
$44,861FHLB advances
$2,210Loans and leases held for sale
$90Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$404Total unused commitments
$0Restructured Loans and leases
$174Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$2,937Total interest income
$1,200Total interest expense
$1,737Net interest income
$43Provision for loan and lease losses
$162Total noninterest income
$0Fiduciary activities
$12Service charges on deposit accounts
$0Trading account gains & fees
$150Additional noninterest income
$1,130Total noninterest expense
$641Salaries and employee benefits
$130Premises and equipment expense
$359Additional noninterest expense
$726Pre-tax net operating income
$0Securities gains (losses)
$198Applicable income taxes
$528Income before extraordinary items
$0Extraordinary gains - net
$528Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$39Sale, conversion, retirement of capital stock, net
$448Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.10%Yield on earning assets
2.90%Cost of funding earning assets
4.20%Net interest margin
0.39%Noninterest income to earning assets
2.73%Noninterest expense to earning assets
1.17%Net operating income to assets
1.17%Return on assets (ROA)
1.61%Pretax return on assets
9.16%Return on equity (ROE)
1.39%Retained earnings to average equity (YTD only)
0.23%Net charge-offs to loans
110.26%Credit loss provision to net charge-offs
19.72%Efficiency ratio
59,505Assets per employee
2.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
84.85%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
30.10%Noncurrent assets plus other real estate owned to assets
1.50%Noncurrent loans to loans
3.57%Net loans and leases to deposits
42.10%Net loans and leases to core deposits
44.69%Equity capital to assets
12.90%Core capital (leverage) ratio
12.84%Tier 1 risk-based capital ratio
23.93%Total risk-based capital ratio
Memoranda
$25Average assets
$45,060Average earning assets
$5,762Average equity
$41,373Average loans
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