FDIC Certificate #: 13285 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:CommunityBanks (#12984) Federal Reserve ID: 247711 Date Established: January 01, 1918 WWW:http://www.eastprospectbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 8402 Numeric code: 21 Regulator: FDIC 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: January 01, 1934 Last Structure Change Effective Date: April 01, 2007 Last Structure Change Process Date: June 11, 2007 Last Data Update: June 11, 2007 Data Source Date: April 05, 2012
Location
Address: 1 South Main Street, East Prospect, PA 17317 County: York 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): York, PA (#9280) Combined Statistical Area (CSA): York-Hanover-Gettysburg, PA (#564) Core Based Statistical Area (CBSA): York-Hanover, PA (#49620) CBSA Metro Statistical Area: York-Hanover, PA (#49620)
Financial Summary
Total assets: $57.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$58,366Total assets
$819Cash and due from depository institutions
$546Interest-bearing balances
$42,607Securities
$914Federal funds sold & reverse repurchase agreements
$13,364Net loans & leases
$136Loan loss allowance
$0Trading account assets
$65Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$597All other assets
$58,366Total liabilities and capital
$44,098Total liabilities
$42,833Total deposits
$41,152Interest-bearing deposits
$42,833Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,265All other liabilities
$14,268Total equity capital
$14,268Total bank equity capital
$14,268Perpetual preferred stock
$0Common stock
$380Surplus
$2,470Undivided profits
Memoranda
$11,418Noncurrent loans and leases
$1,223Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$33Earning assets
$0Long-term assets (5+ years)
$507Average Assets, year-to-date
$57,431Average Assets, quarterly
$25,063Volatile liabilities
$59,140Insider loans
$59,739FHLB advances
$4,354Loans and leases held for sale
$345Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,223Total unused commitments
$0Restructured Loans and leases
$1,612Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$3,172Total interest income
$1,331Total interest expense
$1,841Net interest income
$0Provision for loan and lease losses
$77Total noninterest income
$0Fiduciary activities
$20Service charges on deposit accounts
$0Trading account gains & fees
$57Additional noninterest income
$1,509Total noninterest expense
$863Salaries and employee benefits
$62Premises and equipment expense
$584Additional noninterest expense
$409Pre-tax net operating income
$744Securities gains (losses)
$242Applicable income taxes
$911Income before extraordinary items
$0Extraordinary gains - net
$911Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$76Sale, conversion, retirement of capital stock, net
$722Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.46%Yield on earning assets
2.29%Cost of funding earning assets
3.17%Net interest margin
0.13%Noninterest income to earning assets
2.60%Noninterest expense to earning assets
0.55%Net operating income to assets
1.54%Return on assets (ROA)
1.95%Pretax return on assets
6.37%Return on equity (ROE)
1.32%Retained earnings to average equity (YTD only)
0.56%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
5.38%Efficiency ratio
78,676Assets per employee
4.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
79.25%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
412.12%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.24%Net loans and leases to deposits
31.20%Net loans and leases to core deposits
34.73%Equity capital to assets
24.45%Core capital (leverage) ratio
21.94%Tier 1 risk-based capital ratio
40.04%Total risk-based capital ratio
Memoranda
$45Average assets
$59,140Average earning assets
$14,297Average equity
$58,091Average loans
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