Johnstown Interim Bank in Johnstown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 11, 1994

  • Johnstown Interim Bank in Johnstown, Pennsylvania (PA)
  • Show street view No street view available for this location

Johnstown Interim Bank - Overview

  • General
  • FDIC Certificate #: 12061
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Ameriserv Financial Bank (#7542)
    Federal Reserve ID: 864314
    Date Established: September 12, 1870
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 6 (Interstate: No)
    OTS Docket #: 7000
    FDIC's unique #: 7668
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 11, 1994
    Last Structure Change Process Date: July 21, 1994
    Last Data Update: July 21, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: Market And Main Streets, Johnstown, PA 15901
    County: Cambria
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Wexford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Johnstown, PA (#3680)
    Core Based Statistical Area (CBSA): Johnstown, PA (#27780)
    CBSA Metro Statistical Area: Johnstown, PA (#27780)
  • History of Changes
  • Merger - Without Assistance
    Participated in Reorganization
    Corrections
  • Financial Summary
  • Total assets: $344.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $161Total assets
  • $356,349Cash and due from depository institutions
  • $8,937Interest-bearing balances
  • $5,837Securities
  • $171,130Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $155,470Loan loss allowance
  • $3,083Trading account assets
  • $3,551Bank premises and fixed assets
  • $2,655Other real estate owned
  • $1,470Goodwill and other intangibles
  • $5,286Life insurance assets
  • $7,850All other assets
  • $0Total liabilities and capital
  • $356,349Total liabilities
  • $328,769Total deposits
  • $218,117Interest-bearing deposits
  • $208,684Deposits held in domestic offices
  • 218117.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $108,378Subordinated debt
  • $0All other liabilities
  • $2,274Total equity capital
  • $2,274Total bank equity capital
  • $27,580Perpetual preferred stock
  • $0Common stock
  • $1,944Surplus
  • $15,187Undivided profits
  • Memoranda
  • $10,449Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $653Income earned, not collected on loans
  • $794Earning assets
  • $335,988Long-term assets (5+ years)
  • $172,766Average Assets, year-to-date
  • $333,639Average Assets, quarterly
  • $347,867Volatile liabilities
  • $113,008Insider loans
  • $727FHLB advances
  • $0Loans and leases held for sale
  • $32,759Unused loan commitments
  • $37,458Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $26,958Total risk weighted assets
  • $202,904Total unused commitments
  • $0Restructured Loans and leases
  • $9,139Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $23,623Total interest expense
  • $12,161Net interest income
  • $11,462Provision for loan and lease losses
  • $1,046Total noninterest income
  • $7,138Fiduciary activities
  • $192Service charges on deposit accounts
  • $266Trading account gains & fees
  • $0Additional noninterest income
  • $6,680Total noninterest expense
  • $13,698Salaries and employee benefits
  • $5,387Premises and equipment expense
  • $1,164Additional noninterest expense
  • $7,147Pre-tax net operating income
  • $3,856Securities gains (losses)
  • $1,065Applicable income taxes
  • $1,560Income before extraordinary items
  • $3,361Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,361Net charge-offs
  • $2,019Cash dividends
  • $291Sale, conversion, retirement of capital stock, net
  • $27Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.58%Cost of funding earning assets
  • 3.90%Net interest margin
  • 3.68%Noninterest income to earning assets
  • 2.29%Noninterest expense to earning assets
  • 4.40%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 1.47%Return on equity (ROE)
  • 13.01%Retained earnings to average equity (YTD only)
  • 11.89%Net charge-offs to loans
  • 1.30%Credit loss provision to net charge-offs
  • 51.81%Efficiency ratio
  • 61,296Assets per employee
  • 2.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.66%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 472.13%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.41%Net loans and leases to deposits
  • 71.28%Net loans and leases to core deposits
  • 72.86%Equity capital to assets
  • 7.74%Core capital (leverage) ratio
  • 7.51%Tier 1 risk-based capital ratio
  • 13.29%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $333,639Average earning assets
  • $25,825Average equity
  • $311,482Average loans

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