The Schuylkill Haven Trust Company in Schuylkill Haven, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 1995

The Schuylkill Haven Trust Company in Schuylkill Haven, Pennsylvania (PA)
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The Schuylkill Haven Trust Company - Overview

General
FDIC Certificate #: 724
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Heritage National Bank (#7711)
Federal Reserve ID: 268912
Date Established: May 19, 1910
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
OTS Docket #: 9780
FDIC's unique #: 462
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: March 01, 1995
Last Structure Change Process Date: March 14, 1995
Last Data Update: March 14, 1995
Data Source Date: April 05, 2012
Location
Address: 24-28 East Main Street, Schuylkill Haven, PA 17972
County: Schuylkill
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): Pottsville, PA (#39060)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $82.8 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)
$44Total assets
$82,823Cash and due from depository institutions
$2,813Interest-bearing balances
$66Securities
$22,068Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$55,109Loan loss allowance
$751Trading account assets
$0Bank premises and fixed assets
$1,444Other real estate owned
$0Goodwill and other intangibles
$1,389Life insurance assets
$0All other assets
$0Total liabilities and capital
$82,823Total liabilities
$74,146Total deposits
$66,706Interest-bearing deposits
$57,775Deposits held in domestic offices
66706.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$1,876Trading liabilities
$0Other borrowed funds
$4,853Subordinated debt
$0All other liabilities
$711Total equity capital
$711Total bank equity capital
$8,677Perpetual preferred stock
$0Common stock
$500Surplus
$915Undivided profits
Memoranda
$7,262Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$984Income earned, not collected on loans
$299Earning assets
$77,243Long-term assets (5+ years)
$27,885Average Assets, year-to-date
$81,423Average Assets, quarterly
$82,652Volatile liabilities
$5,647Insider loans
$2,047FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$6,238Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$8,880Total risk weighted assets
$47,990Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$5,836Total interest expense
$2,040Net interest income
$3,796Provision for loan and lease losses
$197Total noninterest income
$484Fiduciary activities
$0Service charges on deposit accounts
$166Trading account gains & fees
$0Additional noninterest income
$318Total noninterest expense
$2,616Salaries and employee benefits
$1,240Premises and equipment expense
$473Additional noninterest expense
$903Pre-tax net operating income
$1,467Securities gains (losses)
$16Applicable income taxes
$418Income before extraordinary items
$1,065Extraordinary gains - net
$0Net income attributable to bank
$1,065Net charge-offs
$50Cash dividends
$396Sale, 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
7.68%Cost of funding earning assets
2.69%Net interest margin
5.00%Noninterest income to earning assets
0.64%Noninterest expense to earning assets
3.44%Net operating income to assets
1.29%Return on assets (ROA)
1.31%Pretax return on assets
1.82%Return on equity (ROE)
12.54%Retained earnings to average equity (YTD only)
7.88%Net charge-offs to loans
0.10%Credit loss provision to net charge-offs
394.00%Efficiency ratio
61,121Assets per employee
1.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
37.18%Loss allowance to loans
1.34%Loss allowance to noncurrent loans
76.32%Noncurrent assets plus other real estate owned to assets
1.19%Noncurrent loans to loans
1.76%Net loans and leases to deposits
82.61%Net loans and leases to core deposits
87.02%Equity capital to assets
10.48%Core capital (leverage) ratio
10.84%Tier 1 risk-based capital ratio
18.50%Total risk-based capital ratio
Memoranda
$20Average assets
$81,423Average earning assets
$8,492Average equity
$75,944Average loans

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