Atlantic Central Bankers Bank in Camp Hill, Pennsylvania (PA), NJ
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Atlantic Central Bankers Bank in Camp Hill, Pennsylvania (PA), NJ
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Atlantic Central Bankers Bank - Overview

  • General
  • FDIC Certificate #: 24829
    Status: Active
    Federal Reserve ID: 959715
    Date Established: November 21, 1983
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: Yes)
    FDIC's unique #: 17217
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 21, 1983
    Last Structure Change Effective Date: July 01, 2008
    Last Structure Change Process Date: July 01, 2008
    Last Data Update: July 01, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1400 Market Street, Camp Hill, PA 17011
    County: Cumberland
    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): Harrisburg-Lebanon-Carlisle, PA (#3240)
    Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
    Core Based Statistical Area (CBSA): Harrisburg-Carlisle, PA (#25420)
    CBSA Metro Statistical Area: Harrisburg-Carlisle, PA (#25420)
  • Financial Summary
  • Total assets: $605.1 mil
    Equity capital: $59.7 mil
    Deposits held in domestic offices: $372.0 mil
    Return on assets (ROA): 0.41% ($2.5 mil)
    Quarterly return on assets: 0.25% ($1.5 mil)
    Return on Equity (ROE): 4.65% ($2.8 mil)
    Quarterly return on equity: 2.50% ($1.5 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.60% ($3,630.6 mil)
    Quarterly Pretax return on assets: 0.33% ($1,996.8 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, 2011)

  • Dollar figures in thousands
  • 67Total employees (full-time equivalent)
  • $605,099Total assets
  • $183,799Cash and due from depository institutions
  • $171,927Interest-bearing balances
  • $72,485Securities
  • $65,559Federal funds sold & reverse repurchase agreements
  • $249,143Net loans & leases
  • $12,876Loan loss allowance
  • $0Trading account assets
  • $2,912Bank premises and fixed assets
  • $5,777Other real estate owned
  • $0Goodwill and other intangibles
  • $605,099Life insurance assets
  • $25,424All other assets
  • $545,361Total liabilities and capital
  • $371,986Total liabilities
  • $81,630Total deposits
  • $371,986Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 146407.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,251Trading liabilities
  • $0Other borrowed funds
  • $6,717Subordinated debt
  • $59,738All other liabilities
  • $59,698Total equity capital
  • $59,698Total bank equity capital
  • $0Perpetual preferred stock
  • $3,132Common stock
  • $11,381Surplus
  • $45,185Undivided profits
  • Memoranda
  • $40Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,248Income earned, not collected on loans
  • $0Earning assets
  • $982Long-term assets (5+ years)
  • $559,114Average Assets, year-to-date
  • $99,717Average Assets, quarterly
  • $650,256Volatile liabilities
  • $597,743Insider loans
  • $282,810FHLB advances
  • $614,913Loans and leases held for sale
  • $14,656Unused loan commitments
  • $12,958Tier 1 (core) risk-based capital
  • $58,833Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,698Total unused commitments
  • $56,427Restructured Loans and leases
  • $6,199Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,269Total interest income
  • $1,885Total interest expense
  • $13,384Net interest income
  • $2,120Provision for loan and lease losses
  • $10,332Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10,332Additional noninterest income
  • $17,646Total noninterest expense
  • $8,160Salaries and employee benefits
  • $1,489Premises and equipment expense
  • $7,997Additional noninterest expense
  • $3,950Pre-tax net operating income
  • -$33Securities gains (losses)
  • $1,240Applicable income taxes
  • $2,677Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,677Net income attributable to bank
  • $0Net charge-offs
  • $2,677Cash dividends
  • $3,362Sale, conversion, retirement of capital stock, net
  • $175Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.53%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 2.22%Net interest margin
  • 1.71%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 4.65%Return on equity (ROE)
  • 4.34%Retained earnings to average equity (YTD only)
  • 1.15%Net charge-offs to loans
  • 63.06%Credit loss provision to net charge-offs
  • 1.81%Efficiency ratio
  • 74,405Assets per employee
  • 9.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 6.54%Loss allowance to loans
  • 4.91%Loss allowance to noncurrent loans
  • 114.47%Noncurrent assets plus other real estate owned to assets
  • 2.81%Noncurrent loans to loans
  • 4.29%Net loans and leases to deposits
  • 66.98%Net loans and leases to core deposits
  • 67.62%Equity capital to assets
  • 9.87%Core capital (leverage) ratio
  • 9.57%Tier 1 risk-based capital ratio
  • 20.80%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $650,256Average earning assets
  • $57,618Average equity
  • $603,652Average loans

List of branches

  • 1 New Jersey Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1433853Newark Branch550 Broad Street 7th Floor, Newark, NJ 7102July 31, 2003Full Service Brick and Mortar
  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017217Atlantic Central Bankers Bank1400 Market Street, Camp Hill, PA 17011November 21, 1983Full Service Brick and Mortar

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