FDIC Certificate #: 1287 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Juniata Valley Bank (#7614) Federal Reserve ID: 614416 Date Established: January 01, 1906 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) FDIC's unique #: 865 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: January 01, 1934 Last Structure Change Effective Date: July 01, 1998 Last Structure Change Process Date: July 22, 1998 Last Data Update: July 22, 1998 Data Source Date: April 05, 2012
Location
Address: 100 East Market Street, Lewistown, PA 17044 County: Mifflin 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 Core Based Statistical Area (CBSA): Lewistown, PA (#30380) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $115.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
39Total employees (full-time equivalent)
$111,667Total assets
$5,054Cash and due from depository institutions
$100Interest-bearing balances
$47,161Securities
$1,900Federal funds sold & reverse repurchase agreements
$55,600Net loans & leases
$587Loan loss allowance
$0Trading account assets
$868Bank premises and fixed assets
$24Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,060All other assets
$111,667Total liabilities and capital
$97,548Total liabilities
$96,130Total deposits
$88,797Interest-bearing deposits
$96,130Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$498Other borrowed funds
$0Subordinated debt
$920All other liabilities
$14,119Total equity capital
$14,119Total bank equity capital
$14,119Perpetual preferred stock
$0Common stock
$1,171Surplus
$5,665Undivided profits
Memoranda
$7,283Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$262Earning assets
$0Long-term assets (5+ years)
$314Average Assets, year-to-date
$104,761Average Assets, quarterly
$22,604Volatile liabilities
$109,383Insider loans
$111,828FHLB advances
$5,847Loans and leases held for sale
$932Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,918Total unused commitments
$0Restructured Loans and leases
$53,134Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$7,851Total interest income
$4,076Total interest expense
$3,775Net interest income
$40Provision for loan and lease losses
$401Total noninterest income
$139Fiduciary activities
$145Service charges on deposit accounts
$0Trading account gains & fees
$117Additional noninterest income
$2,133Total noninterest expense
$1,275Salaries and employee benefits
$257Premises and equipment expense
$601Additional noninterest expense
$2,003Pre-tax net operating income
$79Securities gains (losses)
$555Applicable income taxes
$1,527Income before extraordinary items
$0Extraordinary gains - net
$1,527Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$96Sale, conversion, retirement of capital stock, net
$572Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.54%Yield on earning assets
3.91%Cost of funding earning assets
3.63%Net interest margin
0.39%Noninterest income to earning assets
2.05%Noninterest expense to earning assets
1.34%Net operating income to assets
1.40%Return on assets (ROA)
1.90%Pretax return on assets
11.12%Return on equity (ROE)
6.95%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
41.67%Credit loss provision to net charge-offs
21.28%Efficiency ratio
51,078Assets per employee
2.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
37.46%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
224.05%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
0.47%Net loans and leases to deposits
57.84%Net loans and leases to core deposits
61.25%Equity capital to assets
12.64%Core capital (leverage) ratio
12.31%Tier 1 risk-based capital ratio
25.93%Total risk-based capital ratio
Memoranda
$27Average assets
$109,383Average earning assets
$13,735Average equity
$104,131Average loans
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