Central Savings and Loan Association in Columbia, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 01, 1993

  • Central Savings and Loan Association in Columbia, Pennsylvania (PA)
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Central Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 31794
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Susquehanna Bank (#7579)
    Federal Reserve ID: 463173
    Date Established: January 01, 1925
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7472
    FDIC's unique #: 44628
    Numeric code: 35
    Regulator: OTS
    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: July 13, 1976
    Last Structure Change Effective Date: September 01, 1993
    Last Structure Change Process Date: October 13, 1993
    Last Data Update: October 13, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 325 Locust Street, Columbia, PA 17512
    County: Lancaster
    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): Lancaster, PA (#4000)
    Core Based Statistical Area (CBSA): Lancaster, PA (#29540)
    CBSA Metro Statistical Area: Lancaster, PA (#29540)
  • Financial Summary
  • Total assets: $69.7 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $24Total assets
  • $73,783Cash and due from depository institutions
  • $26,295Interest-bearing balances
  • $26,152Securities
  • $333Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $44,646Loan loss allowance
  • $465Trading account assets
  • $0Bank premises and fixed assets
  • $229Other real estate owned
  • $225Goodwill and other intangibles
  • $2,055Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $73,783Total liabilities
  • $67,829Total deposits
  • $66,864Interest-bearing deposits
  • $66,607Deposits held in domestic offices
  • 66864.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $965Total equity capital
  • $965Total bank equity capital
  • $5,954Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $2,029Undivided profits
  • Memoranda
  • $3,924Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $743Income earned, not collected on loans
  • $375Earning assets
  • $71,131Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $73,988Average Assets, quarterly
  • $73,977Volatile liabilities
  • $3,202Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,139Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,954Total risk weighted assets
  • $35,400Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,599Total interest expense
  • $4,280Net interest income
  • $2,319Provision for loan and lease losses
  • $189Total noninterest income
  • $980Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $980Total noninterest expense
  • $2,050Salaries and employee benefits
  • $975Premises and equipment expense
  • $241Additional noninterest expense
  • $834Pre-tax net operating income
  • $1,060Securities gains (losses)
  • $254Applicable income taxes
  • $548Income before extraordinary items
  • $766Extraordinary gains - net
  • $0Net income attributable to bank
  • $766Net charge-offs
  • $0Cash dividends
  • $128Sale, conversion, retirement of capital stock, net
  • $109Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.29%Cost of funding earning assets
  • 6.03%Net interest margin
  • 3.27%Noninterest income to earning assets
  • 1.38%Noninterest expense to earning assets
  • 2.89%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 1.78%Return on equity (ROE)
  • 13.74%Retained earnings to average equity (YTD only)
  • 11.44%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 62,140Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.71%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 62.58%Noncurrent assets plus other real estate owned to assets
  • 1.31%Noncurrent loans to loans
  • 1.65%Net loans and leases to deposits
  • 66.77%Net loans and leases to core deposits
  • 70.13%Equity capital to assets
  • 8.07%Core capital (leverage) ratio
  • 8.07%Tier 1 risk-based capital ratio
  • 16.82%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $73,988Average earning assets
  • $5,575Average equity
  • $71,019Average loans

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