Main Line Bank in Villanova, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 1998

  • Main Line Bank in Villanova, Pennsylvania (PA)
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Main Line Bank - Overview

  • General
  • FDIC Certificate #: 29628
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sovereign Bank, National Association (#29950)
    Federal Reserve ID: 201076
    Date Established: January 01, 1883
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3777
    FDIC's unique #: 42462
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: July 18, 1936
    Last Structure Change Effective Date: March 01, 1998
    Last Structure Change Process Date: April 27, 1998
    Last Data Update: April 27, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: Route 320 And Lancaster Avenue, Villanova, PA 19085
    County: Delaware
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • Financial Summary
  • Total assets: $2,414.3 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
  • 455Total employees (full-time equivalent)
  • $2,414,251Total assets
  • $166,404Cash and due from depository institutions
  • $7,704Interest-bearing balances
  • $1,056,742Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,047,886Net loans & leases
  • $18,191Loan loss allowance
  • $0Trading account assets
  • $18,219Bank premises and fixed assets
  • $1,859Other real estate owned
  • $66,048Goodwill and other intangibles
  • $0Life insurance assets
  • $57,093All other assets
  • $2,414,251Total liabilities and capital
  • $2,284,656Total liabilities
  • $974,932Total deposits
  • $800,928Interest-bearing deposits
  • $974,932Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $611,635Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $620,915Other borrowed funds
  • $0Subordinated debt
  • $77,174All other liabilities
  • $129,595Total equity capital
  • $129,595Total bank equity capital
  • $129,595Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $87,730Undivided profits
  • Memoranda
  • $41,865Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $7,802Earning assets
  • $0Long-term assets (5+ years)
  • $6,409Average Assets, year-to-date
  • $2,112,332Average Assets, quarterly
  • $0Volatile liabilities
  • $2,124,045Insider loans
  • $2,357,807FHLB advances
  • $1,487,996Loans and leases held for sale
  • $8Unused loan commitments
  • $607,809Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $65,162Total unused commitments
  • $0Restructured Loans and leases
  • $1,132,019Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $149,925Total interest income
  • $96,910Total interest expense
  • $53,015Net interest income
  • $4,005Provision for loan and lease losses
  • $15,340Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $15,340Additional noninterest income
  • $46,543Total noninterest expense
  • $25,793Salaries and employee benefits
  • $8,583Premises and equipment expense
  • $12,167Additional noninterest expense
  • $17,807Pre-tax net operating income
  • $6,149Securities gains (losses)
  • $8,656Applicable income taxes
  • $15,300Income before extraordinary items
  • $0Extraordinary gains - net
  • $15,300Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $281Sale, conversion, retirement of capital stock, net
  • $10,500Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.76%Yield on earning assets
  • 5.02%Cost of funding earning assets
  • 2.74%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 2.41%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 11.92%Return on equity (ROE)
  • 3.74%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 1425.27%Credit loss provision to net charge-offs
  • 77.62%Efficiency ratio
  • 65,294Assets per employee
  • 5.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.63%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 233.16%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.73%Net loans and leases to deposits
  • 107.48%Net loans and leases to core deposits
  • 145.64%Equity capital to assets
  • 5.37%Core capital (leverage) ratio
  • 4.68%Tier 1 risk-based capital ratio
  • 9.91%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $2,124,045Average earning assets
  • $128,363Average equity
  • $1,931,592Average loans

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