Bucktail Bank and Trust Company in Emporium, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 30, 1997

  • Bucktail Bank and Trust Company in Emporium, Pennsylvania (PA)
  • Show street view No street view available for this location

Bucktail Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 9902
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SunBank (#441)
    Federal Reserve ID: 84112
    Date Established: May 01, 1928
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 10379
    FDIC's unique #: 6333
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 30, 1997
    Last Structure Change Process Date: July 15, 1997
    Last Data Update: July 21, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 East 4th Street, Emporium, PA 15834
    County: Cameron
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Wexford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • Financial Summary
  • Total assets: $120.3 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)
  • $62Total assets
  • $118,445Cash and due from depository institutions
  • $4,863Interest-bearing balances
  • $29Securities
  • $20,094Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $90,929Loan loss allowance
  • $1,262Trading account assets
  • $0Bank premises and fixed assets
  • $1,241Other real estate owned
  • $66Goodwill and other intangibles
  • $1,252Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $118,445Total liabilities
  • $109,450Total deposits
  • $106,181Interest-bearing deposits
  • $92,484Deposits held in domestic offices
  • 106181.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $2,183Trading liabilities
  • $0Other borrowed funds
  • $89Subordinated debt
  • $0All other liabilities
  • $997Total equity capital
  • $997Total bank equity capital
  • $8,995Perpetual preferred stock
  • $0Common stock
  • $1,339Surplus
  • $4,432Undivided profits
  • Memoranda
  • $3,224Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $850Income earned, not collected on loans
  • $452Earning assets
  • $111,052Long-term assets (5+ years)
  • $35,674Average Assets, year-to-date
  • $118,830Average Assets, quarterly
  • $120,051Volatile liabilities
  • $11,195Insider loans
  • $379FHLB advances
  • $0Loans and leases held for sale
  • $6,478Unused loan commitments
  • $5,866Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,978Total risk weighted assets
  • $82,550Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $8,808Total interest expense
  • $3,969Net interest income
  • $4,839Provision for loan and lease losses
  • $290Total noninterest income
  • $868Fiduciary activities
  • $136Service charges on deposit accounts
  • $348Trading account gains & fees
  • $0Additional noninterest income
  • $384Total noninterest expense
  • $4,142Salaries and employee benefits
  • $1,713Premises and equipment expense
  • $606Additional noninterest expense
  • $1,823Pre-tax net operating income
  • $1,275Securities gains (losses)
  • $9Applicable income taxes
  • $369Income before extraordinary items
  • $915Extraordinary gains - net
  • $0Net income attributable to bank
  • $915Net charge-offs
  • $344Cash dividends
  • $400Sale, 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
  • 7.94%Cost of funding earning assets
  • 3.58%Net interest margin
  • 4.36%Noninterest income to earning assets
  • 0.78%Noninterest expense to earning assets
  • 3.73%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 0.77%Pretax return on assets
  • 1.08%Return on equity (ROE)
  • 10.45%Retained earnings to average equity (YTD only)
  • 5.88%Net charge-offs to loans
  • 0.41%Credit loss provision to net charge-offs
  • 84.30%Efficiency ratio
  • 72,542Assets per employee
  • 1.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.72%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 148.47%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 0.92%Net loans and leases to deposits
  • 85.64%Net loans and leases to core deposits
  • 93.58%Equity capital to assets
  • 7.59%Core capital (leverage) ratio
  • 7.53%Tier 1 risk-based capital ratio
  • 10.88%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $118,830Average earning assets
  • $8,754Average equity
  • $110,978Average loans

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