FDIC Certificate #: 7635 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Union Community Bank FSB (#35257) Federal Reserve ID: 43511 Date Established: October 23, 1853 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 12 (Interstate: No) OTS Docket #: 12221 FDIC's unique #: 4948 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 06, 2011 Last Structure Change Process Date: May 17, 2011 Last Data Update: May 17, 2011 Data Source Date: April 05, 2012
Location
Address: 570 Lausch Lane, Lancaster, PA 17601 County: Lancaster 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): Lancaster, PA (#4000) Core Based Statistical Area (CBSA): Lancaster, PA (#29540) CBSA Metro Statistical Area: Lancaster, PA (#29540)
Financial Summary
Total assets: $454.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
128Total employees (full-time equivalent)
$445,782Total assets
$46,447Cash and due from depository institutions
$38,770Interest-bearing balances
$35,606Securities
$0Federal funds sold & reverse repurchase agreements
$320,536Net loans & leases
$6,708Loan loss allowance
$0Trading account assets
$10,554Bank premises and fixed assets
$7,518Other real estate owned
$48Goodwill and other intangibles
$11,776Life insurance assets
$25,073All other assets
$445,782Total liabilities and capital
$407,263Total liabilities
$387,559Total deposits
$319,536Interest-bearing deposits
$387,559Deposits held in domestic offices
93.34%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$10,834Other borrowed funds
$6,000Subordinated debt
$2,870All other liabilities
$38,519Total equity capital
$38,519Total bank equity capital
$38,519Perpetual preferred stock
$0Common stock
$750Surplus
$13,228Undivided profits
Memoranda
$24,541Noncurrent loans and leases
$95,006Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$5,897Earning assets
$0Long-term assets (5+ years)
$1,461Average Assets, year-to-date
$394,912Average Assets, quarterly
$95,164Volatile liabilities
$479,873Insider loans
$456,300FHLB advances
$58,835Loans and leases held for sale
$4,904Unused loan commitments
$10,834Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$95,006Total unused commitments
$0Restructured Loans and leases
$10,698Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$21,609Total interest income
$7,415Total interest expense
$14,194Net interest income
$2,567Provision for loan and lease losses
$4,656Total noninterest income
$160Fiduciary activities
$1,847Service charges on deposit accounts
$0Trading account gains & fees
$2,649Additional noninterest income
$17,842Total noninterest expense
$7,101Salaries and employee benefits
$2,523Premises and equipment expense
$8,218Additional noninterest expense
-$1,559Pre-tax net operating income
-$696Securities gains (losses)
-$974Applicable income taxes
-$1,281Income before extraordinary items
$0Extraordinary gains - net
-$1,281Net income attributable to bank
$0Net charge-offs
-$1,281Cash dividends
$1,717Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.05%Yield on earning assets
1.73%Cost of funding earning assets
3.31%Net interest margin
1.09%Noninterest income to earning assets
4.17%Noninterest expense to earning assets
-0.17%Net operating income to assets
-0.27%Return on assets (ROA)
-0.47%Pretax return on assets
-3.18%Return on equity (ROE)
-3.18%Retained earnings to average equity (YTD only)
0.52%Net charge-offs to loans
149.50%Credit loss provision to net charge-offs
0.59%Efficiency ratio
94,653Assets per employee
3.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.05%Loss allowance to noncurrent loans
113.75%Noncurrent assets plus other real estate owned to assets
3.01%Noncurrent loans to loans
1.80%Net loans and leases to deposits
82.71%Net loans and leases to core deposits
97.51%Equity capital to assets
8.64%Core capital (leverage) ratio
8.67%Tier 1 risk-based capital ratio
10.60%Total risk-based capital ratio
Memoranda
$13Average assets
$479,873Average earning assets
$40,225Average equity
$428,286Average loans
Total Fiduciary and Related Assets (December 31, 2010)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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