Bernville Bank, National Association in Bernville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 04, 2001

  • Bernville Bank, National Association in Bernville, Pennsylvania (PA)
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Bernville Bank, National Association - Overview

  • General
  • FDIC Certificate #: 7403
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National Penn Bank (#7414)
    Federal Reserve ID: 938813
    Date Established: October 15, 1907
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 9921
    FDIC's unique #: 4825
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 04, 2001
    Last Structure Change Process Date: January 24, 2001
    Last Data Update: January 24, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 North Main Street, Bernville, PA 19506
    County: Berks
    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): Reading, PA (#6680)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Reading, PA (#39740)
    CBSA Metro Statistical Area: Reading, PA (#39740)
  • Financial Summary
  • Total assets: $102.8 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, 2000)

  • Dollar figures in thousands
  • 38Total employees (full-time equivalent)
  • $102,754Total assets
  • $4,051Cash and due from depository institutions
  • $1,639Interest-bearing balances
  • $13,462Securities
  • $1,980Federal funds sold & reverse repurchase agreements
  • $76,689Net loans & leases
  • $1,935Loan loss allowance
  • $0Trading account assets
  • $2,362Bank premises and fixed assets
  • $497Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,713All other assets
  • $102,754Total liabilities and capital
  • $97,031Total liabilities
  • $95,351Total deposits
  • $85,450Interest-bearing deposits
  • $95,351Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $585Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $96Other borrowed funds
  • $0Subordinated debt
  • $999All other liabilities
  • $5,723Total equity capital
  • $5,723Total bank equity capital
  • $5,723Perpetual preferred stock
  • $0Common stock
  • $250Surplus
  • $2,265Undivided profits
  • Memoranda
  • $3,208Noncurrent loans and leases
  • $6,593Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,126Earning assets
  • $0Long-term assets (5+ years)
  • $346Average Assets, year-to-date
  • $93,770Average Assets, quarterly
  • $42,086Volatile liabilities
  • $105,684Insider loans
  • $102,576FHLB advances
  • $7,318Loans and leases held for sale
  • $1,785Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,593Total unused commitments
  • $0Restructured Loans and leases
  • $902Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $7,750Total interest income
  • $4,274Total interest expense
  • $3,476Net interest income
  • $1,725Provision for loan and lease losses
  • $517Total noninterest income
  • $0Fiduciary activities
  • $325Service charges on deposit accounts
  • $0Trading account gains & fees
  • $192Additional noninterest income
  • $4,499Total noninterest expense
  • $1,721Salaries and employee benefits
  • $1,110Premises and equipment expense
  • $1,668Additional noninterest expense
  • -$2,231Pre-tax net operating income
  • -$22Securities gains (losses)
  • -$810Applicable income taxes
  • -$1,443Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,443Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,002Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.04%Yield on earning assets
  • 4.43%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 4.67%Noninterest expense to earning assets
  • -1.35%Net operating income to assets
  • -1.37%Return on assets (ROA)
  • -2.13%Pretax return on assets
  • -21.09%Return on equity (ROE)
  • -21.82%Retained earnings to average equity (YTD only)
  • 1.20%Net charge-offs to loans
  • 172.16%Credit loss provision to net charge-offs
  • -0.50%Efficiency ratio
  • 112,071Assets per employee
  • 2.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -3.47%Loss allowance to loans
  • 2.46%Loss allowance to noncurrent loans
  • 91.02%Noncurrent assets plus other real estate owned to assets
  • 2.55%Noncurrent loans to loans
  • 2.70%Net loans and leases to deposits
  • 80.43%Net loans and leases to core deposits
  • 86.45%Equity capital to assets
  • 5.57%Core capital (leverage) ratio
  • 5.53%Tier 1 risk-based capital ratio
  • 7.97%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $105,684Average earning assets
  • $6,841Average equity
  • $96,382Average loans

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