FDIC Certificate #: 35204 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank of Pennsylvania (#7888) Federal Reserve ID: 2846574 Date Established: September 20, 1999 WWW:http://www.thelegacybank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 9 (Interstate: No) FDIC's unique #: 76170 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: September 20, 1999 Last Structure Change Effective Date: May 26, 2006 Last Structure Change Process Date: July 26, 2006 Last Data Update: July 26, 2006 Data Source Date: April 05, 2012
Location
Address: 2600 Commerce Drive, Harrisburg, PA 17106 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: $370.5 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2005)
Dollar figures in thousands
92Total employees (full-time equivalent)
$366,614Total assets
$6,550Cash and due from depository institutions
$215Interest-bearing balances
$41,833Securities
$3,015Federal funds sold & reverse repurchase agreements
$287,387Net loans & leases
$3,344Loan loss allowance
$0Trading account assets
$5,669Bank premises and fixed assets
$0Other real estate owned
$7,812Goodwill and other intangibles
$0Life insurance assets
$14,348All other assets
$366,614Total liabilities and capital
$330,153Total liabilities
$282,978Total deposits
$250,999Interest-bearing deposits
$282,978Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$41,000Other borrowed funds
$4,448Subordinated debt
$1,727All other liabilities
$36,461Total equity capital
$36,461Total bank equity capital
$36,461Perpetual preferred stock
$0Common stock
$18,196Surplus
$19,521Undivided profits
Memoranda
$-1,256Noncurrent loans and leases
$102,753Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,712Earning assets
$538Long-term assets (5+ years)
$1,922Average Assets, year-to-date
$332,450Average Assets, quarterly
$124,520Volatile liabilities
$359,414Insider loans
$374,377FHLB advances
$49,817Loans and leases held for sale
$25,528Unused loan commitments
$41,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$102,753Total unused commitments
$0Restructured Loans and leases
$7,803Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$19,971Total interest income
$8,353Total interest expense
$11,618Net interest income
$592Provision for loan and lease losses
$2,463Total noninterest income
$741Fiduciary activities
$618Service charges on deposit accounts
$0Trading account gains & fees
$1,104Additional noninterest income
$11,394Total noninterest expense
$5,894Salaries and employee benefits
$1,237Premises and equipment expense
$4,263Additional noninterest expense
$2,095Pre-tax net operating income
-$664Securities gains (losses)
$436Applicable income taxes
$995Income before extraordinary items
$0Extraordinary gains - net
$995Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$770Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.10%Yield on earning assets
2.55%Cost of funding earning assets
3.55%Net interest margin
0.75%Noninterest income to earning assets
3.48%Noninterest expense to earning assets
0.41%Net operating income to assets
0.28%Return on assets (ROA)
0.40%Pretax return on assets
2.70%Return on equity (ROE)
2.70%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
76.88%Credit loss provision to net charge-offs
3.49%Efficiency ratio
79,526Assets per employee
3.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
195.33%Noncurrent assets plus other real estate owned to assets
0.47%Noncurrent loans to loans
0.59%Net loans and leases to deposits
101.56%Net loans and leases to core deposits
115.81%Equity capital to assets
9.95%Core capital (leverage) ratio
7.76%Tier 1 risk-based capital ratio
10.00%Total risk-based capital ratio
Memoranda
$13Average assets
$359,414Average earning assets
$36,839Average equity
$327,263Average loans
Total Fiduciary and Related Assets (December 31, 2005)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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