Allegiance Bank of North America in Bala Cynwyd, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 19, 2010

  • Allegiance Bank of North America in Bala Cynwyd, Pennsylvania (PA)
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Allegiance Bank of North America - Overview

  • General
  • FDIC Certificate #: 35078
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: VIST Bank (#7748)
    Federal Reserve ID: 2830135
    Date Established: July 06, 1999
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    FDIC's unique #: 74653
    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: July 06, 1999
    Last Structure Change Effective Date: November 19, 2010
    Last Structure Change Process Date: November 22, 2010
    Last Data Update: November 22, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: One Belmont Avenue, Bala Cynwyd, PA 19004
    County: Montgomery
    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): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • Financial Summary
  • Total assets: $106.6 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, 2009)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $134,784Total assets
  • $12,784Cash and due from depository institutions
  • $12,300Interest-bearing balances
  • $12,964Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $103,730Net loans & leases
  • $2,066Loan loss allowance
  • $0Trading account assets
  • $2,308Bank premises and fixed assets
  • $163Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,835All other assets
  • $134,784Total liabilities and capital
  • $128,957Total liabilities
  • $115,325Total deposits
  • $110,244Interest-bearing deposits
  • $115,325Deposits held in domestic offices
  • 85.59%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $12,640Other borrowed funds
  • $0Subordinated debt
  • $992All other liabilities
  • $5,827Total equity capital
  • $5,827Total bank equity capital
  • $5,827Perpetual preferred stock
  • $0Common stock
  • $4,798Surplus
  • $19,922Undivided profits
  • Memoranda
  • $-18,893Noncurrent loans and leases
  • $9,577Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $8,712Earning assets
  • $0Long-term assets (5+ years)
  • $491Average Assets, year-to-date
  • $128,994Average Assets, quarterly
  • $30,851Volatile liabilities
  • $151,843Insider loans
  • $141,404FHLB advances
  • $15,183Loans and leases held for sale
  • $266Unused loan commitments
  • $12,640Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $9,577Total unused commitments
  • $0Restructured Loans and leases
  • $1,155Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $8,047Total interest income
  • $4,197Total interest expense
  • $3,850Net interest income
  • $6,667Provision for loan and lease losses
  • $747Total noninterest income
  • $0Fiduciary activities
  • $70Service charges on deposit accounts
  • $0Trading account gains & fees
  • $677Additional noninterest income
  • $7,418Total noninterest expense
  • $3,147Salaries and employee benefits
  • $1,079Premises and equipment expense
  • $3,192Additional noninterest expense
  • -$9,488Pre-tax net operating income
  • $177Securities gains (losses)
  • $0Applicable income taxes
  • -$9,311Income before extraordinary items
  • $0Extraordinary gains - net
  • -$9,311Net income attributable to bank
  • $0Net charge-offs
  • -$9,311Cash dividends
  • $9,687Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.55%Yield on earning assets
  • 2.89%Cost of funding earning assets
  • 2.65%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 5.12%Noninterest expense to earning assets
  • -6.25%Net operating income to assets
  • -6.13%Return on assets (ROA)
  • -6.13%Pretax return on assets
  • -102.57%Return on equity (ROE)
  • -102.57%Retained earnings to average equity (YTD only)
  • 8.09%Net charge-offs to loans
  • 68.82%Credit loss provision to net charge-offs
  • -0.29%Efficiency ratio
  • 161,366Assets per employee
  • 4.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 23.71%Noncurrent assets plus other real estate owned to assets
  • 6.58%Noncurrent loans to loans
  • 8.23%Net loans and leases to deposits
  • 89.95%Net loans and leases to core deposits
  • 103.58%Equity capital to assets
  • 4.32%Core capital (leverage) ratio
  • 4.21%Tier 1 risk-based capital ratio
  • 6.54%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $151,843Average earning assets
  • $9,078Average equity
  • $145,011Average loans

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