Citizens Bank of Southern Pennsylvania in Greencastle, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 15, 2005

  • Citizens Bank of Southern Pennsylvania in Greencastle, Pennsylvania (PA)
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Citizens Bank of Southern Pennsylvania - Overview

  • General
  • FDIC Certificate #: 7796
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Susquehanna Bank (#9694)
    Federal Reserve ID: 542715
    Date Established: May 15, 1901
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    FDIC's unique #: 5028
    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: April 15, 2005
    Last Structure Change Process Date: April 22, 2005
    Last Data Update: April 22, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 35 Noth Carlisle Street, Greencastle, PA 17225
    County: Franklin
    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
    Core Based Statistical Area (CBSA): Chambersburg, PA (#16540)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $252.2 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, 2004)

  • Dollar figures in thousands
  • 58Total employees (full-time equivalent)
  • $244,911Total assets
  • $5,680Cash and due from depository institutions
  • $45Interest-bearing balances
  • $57,189Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $167,016Net loans & leases
  • $2,352Loan loss allowance
  • $0Trading account assets
  • $1,461Bank premises and fixed assets
  • $746Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $12,819All other assets
  • $244,911Total liabilities and capital
  • $226,982Total liabilities
  • $207,196Total deposits
  • $176,613Interest-bearing deposits
  • $207,196Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $17,572Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $400Other borrowed funds
  • $0Subordinated debt
  • $1,814All other liabilities
  • $17,929Total equity capital
  • $17,929Total bank equity capital
  • $17,929Perpetual preferred stock
  • $0Common stock
  • $2,430Surplus
  • $3,225Undivided profits
  • Memoranda
  • $12,274Noncurrent loans and leases
  • $44,845Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $997Earning assets
  • $0Long-term assets (5+ years)
  • $696Average Assets, year-to-date
  • $224,250Average Assets, quarterly
  • $46,592Volatile liabilities
  • $253,662Insider loans
  • $248,429FHLB advances
  • $37,799Loans and leases held for sale
  • $3,860Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $44,845Total unused commitments
  • $0Restructured Loans and leases
  • $2,109Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $12,281Total interest income
  • $3,503Total interest expense
  • $8,778Net interest income
  • $185Provision for loan and lease losses
  • $2,050Total noninterest income
  • $0Fiduciary activities
  • $835Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,215Additional noninterest income
  • $6,481Total noninterest expense
  • $2,434Salaries and employee benefits
  • $709Premises and equipment expense
  • $3,338Additional noninterest expense
  • $4,162Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,119Applicable income taxes
  • $3,043Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,043Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $145Sale, conversion, retirement of capital stock, net
  • $3,000Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.27%Yield on earning assets
  • 1.50%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 2.78%Noninterest expense to earning assets
  • 1.20%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 16.83%Return on equity (ROE)
  • 0.24%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 127.59%Credit loss provision to net charge-offs
  • 29.98%Efficiency ratio
  • 59,854Assets per employee
  • 4.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 98.59%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 235.91%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 80.61%Net loans and leases to core deposits
  • 89.14%Equity capital to assets
  • 7.32%Core capital (leverage) ratio
  • 7.37%Tier 1 risk-based capital ratio
  • 10.86%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $253,662Average earning assets
  • $18,078Average equity
  • $232,918Average loans

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