FDIC Certificate #: 35104 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:National Penn Bank (#7414) Federal Reserve ID: 2821852 Date Established: July 01, 1999 WWW:http://www.hometownebank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 74893 Numeric code: 21 Regulator: FDIC 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: July 01, 1999 Last Structure Change Effective Date: December 15, 2003 Last Structure Change Process Date: January 13, 2004 Last Data Update: January 13, 2004 Data Source Date: April 05, 2012
Location
Address: 3540 Old Philadelphia Pike, Intercourse, PA 17534 County: Lancaster 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): Lancaster, PA (#4000) Core Based Statistical Area (CBSA): Lancaster, PA (#29540) CBSA Metro Statistical Area: Lancaster, PA (#29540)
Financial Summary
Total assets: $154.9 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2002)
Dollar figures in thousands
27Total employees (full-time equivalent)
$123,943Total assets
$5,011Cash and due from depository institutions
$752Interest-bearing balances
$9,882Securities
$1,117Federal funds sold & reverse repurchase agreements
$105,940Net loans & leases
$1,310Loan loss allowance
$0Trading account assets
$664Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,329All other assets
$123,943Total liabilities and capital
$109,952Total liabilities
$107,160Total deposits
$99,636Interest-bearing deposits
$107,160Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,363Other borrowed funds
$0Subordinated debt
$429All other liabilities
$13,991Total equity capital
$13,991Total bank equity capital
$13,991Perpetual preferred stock
$0Common stock
$2,745Surplus
$10,981Undivided profits
Memoranda
$265Noncurrent loans and leases
$26,128Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$492Average Assets, year-to-date
$117,691Average Assets, quarterly
$11,809Volatile liabilities
$106,270Insider loans
$121,096FHLB advances
$8,774Loans and leases held for sale
$4,087Unused loan commitments
$2,363Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$26,128Total unused commitments
$0Restructured Loans and leases
$1,310Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$6,281Total interest income
$2,848Total interest expense
$3,433Net interest income
$400Provision for loan and lease losses
$173Total noninterest income
$0Fiduciary activities
$137Service charges on deposit accounts
$0Trading account gains & fees
$36Additional noninterest income
$2,513Total noninterest expense
$1,448Salaries and employee benefits
$325Premises and equipment expense
$740Additional noninterest expense
$693Pre-tax net operating income
$1Securities gains (losses)
$107Applicable income taxes
$587Income before extraordinary items
$0Extraordinary gains - net
$587Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.27%Yield on earning assets
2.84%Cost of funding earning assets
3.43%Net interest margin
0.17%Noninterest income to earning assets
2.51%Noninterest expense to earning assets
0.55%Net operating income to assets
0.55%Return on assets (ROA)
0.65%Pretax return on assets
4.31%Return on equity (ROE)
4.31%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
69,689Assets per employee
4.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.22%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
98.86%Net loans and leases to core deposits
107.68%Equity capital to assets
11.29%Core capital (leverage) ratio
11.54%Tier 1 risk-based capital ratio
13.01%Total risk-based capital ratio
Memoranda
$14Average assets
$106,270Average earning assets
$13,606Average equity
$100,202Average loans
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