East Penn Bank in Emmaus, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 16, 2007

  • East Penn Bank in Emmaus, Pennsylvania (PA)
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East Penn Bank - Overview

  • General
  • FDIC Certificate #: 33526
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: The Harleysville National Bank and Trust Company (#7516)
    Federal Reserve ID: 1901243
    Date Established: November 01, 1991
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 9 (Interstate: No)
    OTS Docket #: 14139
    FDIC's unique #: 47365
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 01, 1991
    Last Structure Change Effective Date: November 16, 2007
    Last Structure Change Process Date: November 29, 2007
    Last Data Update: November 29, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 731 Chestnut Street, Emmaus, PA 18049
    County: Lehigh
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Allentown-Bethlehem-Easton, PA (#240)
    Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900)
    CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900)
  • Financial Summary
  • Total assets: $436.9 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, 2006)

  • Dollar figures in thousands
  • 131Total employees (full-time equivalent)
  • $436,452Total assets
  • $7,803Cash and due from depository institutions
  • $18Interest-bearing balances
  • $70,237Securities
  • $15,151Federal funds sold & reverse repurchase agreements
  • $319,915Net loans & leases
  • $3,258Loan loss allowance
  • $0Trading account assets
  • $9,749Bank premises and fixed assets
  • $0Other real estate owned
  • $36Goodwill and other intangibles
  • $7,788Life insurance assets
  • $13,561All other assets
  • $436,452Total liabilities and capital
  • $406,069Total liabilities
  • $372,675Total deposits
  • $357,634Interest-bearing deposits
  • $372,675Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $6,749Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $24,000Other borrowed funds
  • $0Subordinated debt
  • $2,645All other liabilities
  • $30,383Total equity capital
  • $30,383Total bank equity capital
  • $30,383Perpetual preferred stock
  • $0Common stock
  • $4,128Surplus
  • $13,531Undivided profits
  • Memoranda
  • $12,724Noncurrent loans and leases
  • $71,400Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $433Earning assets
  • $0Long-term assets (5+ years)
  • $1,842Average Assets, year-to-date
  • $405,321Average Assets, quarterly
  • $156,675Volatile liabilities
  • $415,726Insider loans
  • $429,842FHLB advances
  • $58,759Loans and leases held for sale
  • $4,216Unused loan commitments
  • $24,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $373Total risk weighted assets
  • $71,400Total unused commitments
  • $0Restructured Loans and leases
  • $3,258Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $23,781Total interest income
  • $9,931Total interest expense
  • $13,850Net interest income
  • $389Provision for loan and lease losses
  • $2,733Total noninterest income
  • $0Fiduciary activities
  • $1,179Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,554Additional noninterest income
  • $11,060Total noninterest expense
  • $5,875Salaries and employee benefits
  • $1,975Premises and equipment expense
  • $3,210Additional noninterest expense
  • $5,134Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,130Applicable income taxes
  • $4,004Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,004Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $203Sale, conversion, retirement of capital stock, net
  • $1,929Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.20%Yield on earning assets
  • 2.59%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 2.88%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 13.90%Return on equity (ROE)
  • 7.21%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 191.63%Credit loss provision to net charge-offs
  • 27.21%Efficiency ratio
  • 66,695Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.18%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 752.42%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 85.84%Net loans and leases to core deposits
  • 96.17%Equity capital to assets
  • 6.96%Core capital (leverage) ratio
  • 7.21%Tier 1 risk-based capital ratio
  • 9.21%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $415,726Average earning assets
  • $28,798Average equity
  • $383,384Average loans

Bank Assets Sold and Securitized (December 31, 2006)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $01-4 family residential loans
  • $0Home equity lines
  • $1,650Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans

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