FDIC Certificate #: 7513 Status: Inactive Acquiring institution:Riverview Bank (#7598) Federal Reserve ID: 276711 Date Established: December 20, 1900 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) OTS Docket #: 12196 FDIC's unique #: 4875 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: January 01, 2009 Last Structure Change Process Date: January 27, 2009 Last Data Update: January 27, 2009 Data Source Date: April 05, 2012
Location
Address: Third And Market Streets, Halifax, PA 17032 County: Dauphin 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)
History of Changes
Merger - Without Assistance
Financial Summary
Total assets: $90.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2008)
Dollar figures in thousands
23Total employees (full-time equivalent)
$90,219Total assets
$3,814Cash and due from depository institutions
$979Interest-bearing balances
$13,124Securities
$6Federal funds sold & reverse repurchase agreements
$67,247Net loans & leases
$971Loan loss allowance
$0Trading account assets
$2,412Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$2,283Life insurance assets
$3,616All other assets
$90,219Total liabilities and capital
$80,317Total liabilities
$73,582Total deposits
$65,857Interest-bearing deposits
$73,582Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$5,936Other borrowed funds
$0Subordinated debt
$799All other liabilities
$9,902Total equity capital
$9,902Total bank equity capital
$9,902Perpetual preferred stock
$0Common stock
$25Surplus
$125Undivided profits
Memoranda
$9,752Noncurrent loans and leases
$2,236Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$152Earning assets
$0Long-term assets (5+ years)
$368Average Assets, year-to-date
$81,356Average Assets, quarterly
$17,270Volatile liabilities
$86,499Insider loans
$90,177FHLB advances
$15,668Loans and leases held for sale
$931Unused loan commitments
$5,936Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,236Total unused commitments
$0Restructured Loans and leases
$781Derivatives
Income and Expense (December 31, 2008)
Dollar figures in thousands
$5,050Total interest income
$2,228Total interest expense
$2,822Net interest income
$575Provision for loan and lease losses
$740Total noninterest income
$0Fiduciary activities
$176Service charges on deposit accounts
$0Trading account gains & fees
$564Additional noninterest income
$3,338Total noninterest expense
$1,926Salaries and employee benefits
$345Premises and equipment expense
$1,067Additional noninterest expense
-$351Pre-tax net operating income
$0Securities gains (losses)
-$200Applicable income taxes
-$151Income before extraordinary items
$0Extraordinary gains - net
-$151Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$134Sale, conversion, retirement of capital stock, net
$256Net operating income
Performance and Condition Ratios (December 31, 2008)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.44%Yield on earning assets
2.84%Cost of funding earning assets
3.60%Net interest margin
0.94%Noninterest income to earning assets
4.26%Noninterest expense to earning assets
-0.17%Net operating income to assets
-0.17%Return on assets (ROA)
-0.41%Pretax return on assets
-1.44%Return on equity (ROE)
-3.89%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
429.10%Credit loss provision to net charge-offs
1.67%Efficiency ratio
93,711Assets per employee
3.92%Cash dividends to net income (YTD only)
Condition Ratios (%)
-169.54%Loss allowance to loans
1.42%Loss allowance to noncurrent loans
638.82%Noncurrent assets plus other real estate owned to assets
0.17%Noncurrent loans to loans
0.22%Net loans and leases to deposits
91.39%Net loans and leases to core deposits
109.61%Equity capital to assets
10.98%Core capital (leverage) ratio
11.08%Tier 1 risk-based capital ratio
16.18%Total risk-based capital ratio
Memoranda
$17Average assets
$86,499Average earning assets
$10,467Average equity
$78,390Average loans
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