First Capitol Bank in York, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 06, 2000

  • First Capitol Bank in York, Pennsylvania (PA)
  • Show street view No street view available for this location

First Capitol Bank - Overview

  • General
  • FDIC Certificate #: 27379
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Susquehanna Bank (#7579)
    Federal Reserve ID: 1224803
    Date Established: November 21, 1988
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Interstate: No)
    OTS Docket #: 9215
    FDIC's unique #: 39707
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 21, 1988
    Last Structure Change Effective Date: May 06, 2000
    Last Structure Change Process Date: June 13, 2000
    Last Data Update: June 13, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 2951 Whiteford Road, York, PA 17402
    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: $106.5 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 54Total employees (full-time equivalent)
  • $109,345Total assets
  • $4,585Cash and due from depository institutions
  • $69Interest-bearing balances
  • $22,315Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $73,839Net loans & leases
  • $1,350Loan loss allowance
  • $0Trading account assets
  • $2,257Bank premises and fixed assets
  • $482Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $5,867All other assets
  • $109,345Total liabilities and capital
  • $99,729Total liabilities
  • $91,868Total deposits
  • $82,013Interest-bearing deposits
  • $91,868Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $119Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $6,291Other borrowed funds
  • $0Subordinated debt
  • $1,451All other liabilities
  • $9,616Total equity capital
  • $9,616Total bank equity capital
  • $9,616Perpetual preferred stock
  • $0Common stock
  • $5,204Surplus
  • $4,795Undivided profits
  • Memoranda
  • $-383Noncurrent loans and leases
  • $11,673Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $865Earning assets
  • $0Long-term assets (5+ years)
  • $387Average Assets, year-to-date
  • $96,223Average Assets, quarterly
  • $17,446Volatile liabilities
  • $110,672Insider loans
  • $109,508FHLB advances
  • $11,723Loans and leases held for sale
  • $256Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $314Total risk weighted assets
  • $11,673Total unused commitments
  • $0Restructured Loans and leases
  • $1,076Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $7,876Total interest income
  • $4,067Total interest expense
  • $3,809Net interest income
  • $1,448Provision for loan and lease losses
  • $428Total noninterest income
  • $0Fiduciary activities
  • $200Service charges on deposit accounts
  • $0Trading account gains & fees
  • $228Additional noninterest income
  • $3,795Total noninterest expense
  • $1,890Salaries and employee benefits
  • $647Premises and equipment expense
  • $1,258Additional noninterest expense
  • -$1,006Pre-tax net operating income
  • -$1Securities gains (losses)
  • -$540Applicable income taxes
  • -$467Income before extraordinary items
  • $0Extraordinary gains - net
  • -$467Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,085Sale, conversion, retirement of capital stock, net
  • $467Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.99%Yield on earning assets
  • 4.12%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.85%Noninterest expense to earning assets
  • -0.42%Net operating income to assets
  • -0.42%Return on assets (ROA)
  • -0.91%Pretax return on assets
  • -4.36%Return on equity (ROE)
  • -8.72%Retained earnings to average equity (YTD only)
  • 1.47%Net charge-offs to loans
  • 133.46%Credit loss provision to net charge-offs
  • 0.41%Efficiency ratio
  • 89,568Assets per employee
  • 2.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -100.00%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 156.07%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 1.15%Net loans and leases to deposits
  • 80.38%Net loans and leases to core deposits
  • 89.22%Equity capital to assets
  • 8.79%Core capital (leverage) ratio
  • 9.10%Tier 1 risk-based capital ratio
  • 11.65%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $110,672Average earning assets
  • $10,707Average equity
  • $98,602Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First Capitol Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents