Twin Rivers Community Bank in Easton, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 21, 2000

  • Twin Rivers Community Bank in Easton, Pennsylvania (PA)
  • Show street view No street view available for this location

Twin Rivers Community Bank - Overview

  • General
  • FDIC Certificate #: 33181
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Vista Bank, National Association (#6407)
    Federal Reserve ID: 1486487
    Date Established: October 15, 1990
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Interstate: No)
    OTS Docket #: 14761
    FDIC's unique #: 46418
    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: October 15, 1990
    Last Structure Change Effective Date: August 21, 2000
    Last Structure Change Process Date: September 11, 2000
    Last Data Update: September 11, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 2925 William Penn Highway, Suite 200, Easton, PA 18045
    County: Northampton
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Allentown-Bethlehem-Easton, PA (#240)
    Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900)
    CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900)
  • Financial Summary
  • Total assets: $208.6 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
  • 63Total employees (full-time equivalent)
  • $194,128Total assets
  • $8,611Cash and due from depository institutions
  • $34Interest-bearing balances
  • $42,717Securities
  • $3,750Federal funds sold & reverse repurchase agreements
  • $134,918Net loans & leases
  • $1,464Loan loss allowance
  • $0Trading account assets
  • $1,270Bank premises and fixed assets
  • $65Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,797All other assets
  • $194,128Total liabilities and capital
  • $183,245Total liabilities
  • $170,056Total deposits
  • $147,167Interest-bearing deposits
  • $170,056Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $11,955Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $576Other borrowed funds
  • $0Subordinated debt
  • $658All other liabilities
  • $10,883Total equity capital
  • $10,883Total bank equity capital
  • $10,883Perpetual preferred stock
  • $0Common stock
  • $4,390Surplus
  • $4,390Undivided profits
  • Memoranda
  • $2,103Noncurrent loans and leases
  • $20,263Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $892Earning assets
  • $0Long-term assets (5+ years)
  • $507Average Assets, year-to-date
  • $181,419Average Assets, quarterly
  • $76,608Volatile liabilities
  • $179,938Insider loans
  • $190,057FHLB advances
  • $34,855Loans and leases held for sale
  • $105Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $20,263Total unused commitments
  • $0Restructured Loans and leases
  • $1,464Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $12,739Total interest income
  • $6,020Total interest expense
  • $6,719Net interest income
  • $270Provision for loan and lease losses
  • $1,101Total noninterest income
  • $0Fiduciary activities
  • $495Service charges on deposit accounts
  • $0Trading account gains & fees
  • $606Additional noninterest income
  • $5,682Total noninterest expense
  • $2,287Salaries and employee benefits
  • $1,153Premises and equipment expense
  • $2,242Additional noninterest expense
  • $1,868Pre-tax net operating income
  • $16Securities gains (losses)
  • $454Applicable income taxes
  • $1,430Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,430Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $53Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.55%Yield on earning assets
  • 3.57%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 13.09%Return on equity (ROE)
  • 13.09%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 509.43%Credit loss provision to net charge-offs
  • 40.34%Efficiency ratio
  • 72,660Assets per employee
  • 3.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 164.13%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.65%Net loans and leases to deposits
  • 79.34%Net loans and leases to core deposits
  • 91.33%Equity capital to assets
  • 5.61%Core capital (leverage) ratio
  • 6.30%Tier 1 risk-based capital ratio
  • 9.87%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $179,938Average earning assets
  • $10,925Average equity
  • $168,825Average loans

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