Wilbur Savings Bank in city_name, state_name - Detailed Financial Reports, Location

Wilbur Savings Bank in Bethlehem, Pennsylvania (PA)
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Wilbur Savings Bank - Overview

General
FDIC Certificate #: 31658
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Ambassador Bank of the Commonwealth (#33197)
Federal Reserve ID: 15077
Date Established: January 01, 1915
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 1 (Interstate: No)
OTS Docket #: 7311
FDIC's unique #: 44492
Numeric code: 42
Regulator: FDIC
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: Yes
Date of Deposit Insurance: Febuary 07, 1974
Last Structure Change Effective Date: October 04, 1997
Last Structure Change Process Date: November 17, 1997
Last Data Update: November 17, 1997
Data Source Date: April 05, 2012
Location
Address: 231 East Broad Street, Bethlehem, PA 18018
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: $20.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$3Total assets
$17,874Cash and due from depository institutions
$3,523Interest-bearing balances
$3,366Securities
$3,341Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$10,463Loan loss allowance
$92Trading account assets
$0Bank premises and fixed assets
$165Other real estate owned
$0Goodwill and other intangibles
$382Life insurance assets
$0All other assets
$0Total liabilities and capital
$17,874Total liabilities
$14,995Total deposits
$14,910Interest-bearing deposits
$14,910Deposits held in domestic offices
14910.00%% insured (estimated)
$99Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$85Total equity capital
$85Total bank equity capital
$2,879Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$2,879Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$17,170Long-term assets (5+ years)
$0Average Assets, year-to-date
$17,539Average Assets, quarterly
$17,783Volatile liabilities
$589Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,879Total risk weighted assets
$6,726Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$1,162Total interest expense
$686Net interest income
$476Provision for loan and lease losses
$0Total noninterest income
$41Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$41Total noninterest expense
$443Salaries and employee benefits
$174Premises and equipment expense
$71Additional noninterest expense
$198Pre-tax net operating income
$74Securities gains (losses)
$0Applicable income taxes
-$3Income before extraordinary items
$77Extraordinary gains - net
$0Net income attributable to bank
$77Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.88%Cost of funding earning assets
4.06%Net interest margin
2.82%Noninterest income to earning assets
0.24%Noninterest expense to earning assets
2.62%Net operating income to assets
0.44%Return on assets (ROA)
0.44%Pretax return on assets
0.42%Return on equity (ROE)
2.71%Retained earnings to average equity (YTD only)
2.71%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
85,687Assets per employee
5.96%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.87%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
70.17%Net loans and leases to core deposits
73.06%Equity capital to assets
16.11%Core capital (leverage) ratio
16.11%Tier 1 risk-based capital ratio
42.80%Total risk-based capital ratio
Memoranda
$44Average assets
$17,539Average earning assets
$2,837Average equity
$16,900Average loans

Wilbur Savings Bank in Bethlehem, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Wilbur Savings Bank - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

Wilbur Savings Bank in Bethlehem, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

Wilbur Savings Bank - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

Wilbur Savings Bank in Bethlehem, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches