HomeTowne Heritage Bank in Intercourse, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 15, 2003

  • HomeTowne Heritage Bank in Intercourse, Pennsylvania (PA)
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HomeTowne Heritage Bank - Overview

  • General
  • 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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