First Bank of Hanover, Pennsylvania in Hanover, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 30, 1995

  • First Bank of Hanover, Pennsylvania in Hanover, Pennsylvania (PA)
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First Bank of Hanover, Pennsylvania - Overview

  • General
  • FDIC Certificate #: 29734
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Financial Trust Company (#2350)
    Federal Reserve ID: 411978
    Date Established: January 01, 1897
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3975
    FDIC's unique #: 42568
    Numeric code: 34
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: August 18, 1937
    Last Structure Change Effective Date: October 30, 1995
    Last Structure Change Process Date: December 12, 1995
    Last Data Update: December 12, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Frederick St, Hanover, PA 17331
    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: $94.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $49Total assets
  • $93,520Cash and due from depository institutions
  • $2,680Interest-bearing balances
  • $1,593Securities
  • $6,650Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $77,648Loan loss allowance
  • $1,039Trading account assets
  • $0Bank premises and fixed assets
  • $2,176Other real estate owned
  • $74Goodwill and other intangibles
  • $1,565Life insurance assets
  • $2,727All other assets
  • $0Total liabilities and capital
  • $93,520Total liabilities
  • $82,085Total deposits
  • $75,084Interest-bearing deposits
  • $69,142Deposits held in domestic offices
  • 75084.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $2,168Trading liabilities
  • $0Other borrowed funds
  • $2,762Subordinated debt
  • $0All other liabilities
  • $2,071Total equity capital
  • $2,071Total bank equity capital
  • $11,435Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $8,499Undivided profits
  • Memoranda
  • $2,935Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $61Income earned, not collected on loans
  • $329Earning assets
  • $85,891Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $91,471Average Assets, quarterly
  • $92,635Volatile liabilities
  • $9,678Insider loans
  • $1,735FHLB advances
  • $1,262Loans and leases held for sale
  • $0Unused loan commitments
  • $8,526Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,708Total risk weighted assets
  • $61,939Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,621Total interest expense
  • $2,579Net interest income
  • $4,042Provision for loan and lease losses
  • $30Total noninterest income
  • $383Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $383Total noninterest expense
  • $2,987Salaries and employee benefits
  • $1,419Premises and equipment expense
  • $298Additional noninterest expense
  • $1,270Pre-tax net operating income
  • $1,408Securities gains (losses)
  • -$31Applicable income taxes
  • $487Income before extraordinary items
  • $890Extraordinary gains - net
  • $0Net income attributable to bank
  • $890Net charge-offs
  • $99Cash dividends
  • $359Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.98%Cost of funding earning assets
  • 3.11%Net interest margin
  • 4.87%Noninterest income to earning assets
  • 0.46%Noninterest expense to earning assets
  • 3.60%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 1.51%Return on equity (ROE)
  • 8.02%Retained earnings to average equity (YTD only)
  • 4.79%Net charge-offs to loans
  • 0.13%Credit loss provision to net charge-offs
  • 30.30%Efficiency ratio
  • 61,605Assets per employee
  • 1.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.34%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 1703.28%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 103.41%Net loans and leases to core deposits
  • 110.40%Equity capital to assets
  • 12.23%Core capital (leverage) ratio
  • 9.59%Tier 1 risk-based capital ratio
  • 14.06%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $91,471Average earning assets
  • $11,095Average equity
  • $82,955Average loans

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