Financial Trust Company in Carlisle, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1998

  • Financial Trust Company in Carlisle, Pennsylvania (PA)
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Financial Trust Company - Overview

  • General
  • FDIC Certificate #: 8417
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Keystone Financial Bank, National Association (#7712)
    Federal Reserve ID: 962014
    Date Established: January 01, 1901
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 43 (Interstate: No)
    OTS Docket #: 11507
    FDIC's unique #: 5358
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 31, 1998
    Last Structure Change Process Date: Febuary 05, 1999
    Last Data Update: Febuary 05, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 1415 Ritner Highway, Carlisle, PA 17103
    County: Cumberland
    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): Harrisburg-Lebanon-Carlisle, PA (#3240)
    Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
    Core Based Statistical Area (CBSA): Harrisburg-Carlisle, PA (#25420)
    CBSA Metro Statistical Area: Harrisburg-Carlisle, PA (#25420)
  • Financial Summary
  • Total assets: $1,205.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 446Total employees (full-time equivalent)
  • $963,638Total assets
  • $50,999Cash and due from depository institutions
  • $15,126Interest-bearing balances
  • $216,950Securities
  • $1,725Federal funds sold & reverse repurchase agreements
  • $650,969Net loans & leases
  • $9,625Loan loss allowance
  • $0Trading account assets
  • $20,408Bank premises and fixed assets
  • $235Other real estate owned
  • $9,948Goodwill and other intangibles
  • $0Life insurance assets
  • $12,404All other assets
  • $963,638Total liabilities and capital
  • $882,831Total liabilities
  • $788,309Total deposits
  • $684,270Interest-bearing deposits
  • $788,309Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $72,361Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $11,537Other borrowed funds
  • $0Subordinated debt
  • $10,624All other liabilities
  • $80,807Total equity capital
  • $80,807Total bank equity capital
  • $80,807Perpetual preferred stock
  • $0Common stock
  • $541Surplus
  • $41,865Undivided profits
  • Memoranda
  • $38,401Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,333Earning assets
  • $0Long-term assets (5+ years)
  • $4,779Average Assets, year-to-date
  • $884,770Average Assets, quarterly
  • $329,174Volatile liabilities
  • $1,029,607Insider loans
  • $977,331FHLB advances
  • $116,126Loans and leases held for sale
  • $14,002Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $84,908Total unused commitments
  • $0Restructured Loans and leases
  • $621,468Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $79,218Total interest income
  • $32,714Total interest expense
  • $46,504Net interest income
  • $600Provision for loan and lease losses
  • $5,596Total noninterest income
  • $0Fiduciary activities
  • $2,780Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,816Additional noninterest income
  • $27,284Total noninterest expense
  • $11,821Salaries and employee benefits
  • $3,007Premises and equipment expense
  • $12,456Additional noninterest expense
  • $24,216Pre-tax net operating income
  • $3,465Securities gains (losses)
  • $8,174Applicable income taxes
  • $19,507Income before extraordinary items
  • $0Extraordinary gains - net
  • $19,507Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $731Sale, conversion, retirement of capital stock, net
  • $1,905Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.33%Yield on earning assets
  • 3.44%Cost of funding earning assets
  • 4.89%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 1.66%Net operating income to assets
  • 1.89%Return on assets (ROA)
  • 2.69%Pretax return on assets
  • 17.82%Return on equity (ROE)
  • 16.08%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 82.08%Credit loss provision to net charge-offs
  • 33.95%Efficiency ratio
  • 50,800Assets per employee
  • 2.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 9.77%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 288.78%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 82.58%Net loans and leases to core deposits
  • 86.77%Equity capital to assets
  • 8.39%Core capital (leverage) ratio
  • 7.25%Tier 1 risk-based capital ratio
  • 11.16%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,029,607Average earning assets
  • $109,447Average equity
  • $951,291Average loans

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