East Prospect State Bank in East Prospect, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2007

  • East Prospect State Bank in East Prospect, Pennsylvania (PA)
  • Show street view No street view available for this location

East Prospect State Bank - Overview

  • General
  • 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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