Mauch Chunk Trust Company in Jim Thorpe, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Mauch Chunk Trust Company - Overview

  • General
  • FDIC Certificate #: 2359
    Status: Active
    Federal Reserve ID: 857811
    Bank Holding Company (Regulatory Top Holder): Mauch Chunk Trust Financial Corp. (RSSDID: 3045011, Location: Jim Thorpe, PA)
    Date Established: August 25, 1902
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 9252
    FDIC's unique #: 1556
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1111 North Street, Jim Thorpe, PA 18229
    County: Carbon
    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): Allentown-Bethlehem-Easton, PA (#240)
    Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900)
    CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $312.6 mil
    Equity capital: $31.2 mil
    Deposits held in domestic offices: $236.8 mil
    Return on assets (ROA): 0.88% ($2.8 mil)
    Quarterly return on assets: 0.90% ($2.8 mil)
    Return on Equity (ROE): 8.84% ($2.7 mil)
    Quarterly return on equity: 9.03% ($2.8 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.09% ($3,407.1 mil)
    Quarterly Pretax return on assets: 1.05% ($3,282.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)

  • Dollar figures in thousands
  • 76Total employees (full-time equivalent)
  • $312,578Total assets
  • $3,581Cash and due from depository institutions
  • $22Interest-bearing balances
  • $156,645Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $129,341Net loans & leases
  • $2,607Loan loss allowance
  • $0Trading account assets
  • $8,999Bank premises and fixed assets
  • $253Other real estate owned
  • $515Goodwill and other intangibles
  • $312,577Life insurance assets
  • $13,244All other assets
  • $281,361Total liabilities and capital
  • $236,755Total liabilities
  • $210,768Total deposits
  • $236,755Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 2075.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $41,132Trading liabilities
  • $0Other borrowed funds
  • $1,399Subordinated debt
  • $31,216All other liabilities
  • $31,216Total equity capital
  • $31,216Total bank equity capital
  • $0Perpetual preferred stock
  • $980Common stock
  • $1,779Surplus
  • $28,457Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,163Income earned, not collected on loans
  • $0Earning assets
  • $1,791Long-term assets (5+ years)
  • $286,008Average Assets, year-to-date
  • $162,168Average Assets, quarterly
  • $307,821Volatile liabilities
  • $316,223Insider loans
  • $197,958FHLB advances
  • $316,510Loans and leases held for sale
  • $6,083Unused loan commitments
  • $6,083Tier 1 (core) risk-based capital
  • $29,444Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,513Restructured Loans and leases
  • $281Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,420Total interest income
  • $2,730Total interest expense
  • $10,690Net interest income
  • $1,048Provision for loan and lease losses
  • $2,102Total noninterest income
  • $259Fiduciary activities
  • $693Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,150Additional noninterest income
  • $8,823Total noninterest expense
  • $3,990Salaries and employee benefits
  • $1,306Premises and equipment expense
  • $3,527Additional noninterest expense
  • $2,921Pre-tax net operating income
  • $429Securities gains (losses)
  • $652Applicable income taxes
  • $2,698Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,698Net income attributable to bank
  • $0Net charge-offs
  • $2,698Cash dividends
  • $1,987Sale, conversion, retirement of capital stock, net
  • $1,227Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 8.84%Return on equity (ROE)
  • 4.82%Retained earnings to average equity (YTD only)
  • 1.51%Net charge-offs to loans
  • 52.74%Credit loss provision to net charge-offs
  • 2.00%Efficiency ratio
  • 68,973Assets per employee
  • 4.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.48%Loss allowance to loans
  • 1.98%Loss allowance to noncurrent loans
  • 120.53%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 1.64%Net loans and leases to deposits
  • 54.63%Net loans and leases to core deposits
  • 57.28%Equity capital to assets
  • 9.99%Core capital (leverage) ratio
  • 9.30%Tier 1 risk-based capital ratio
  • 14.87%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $307,821Average earning assets
  • $30,530Average equity
  • $280,103Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $29,094Managed Assets
  • 1Number of Accounts
  • $28,904Personal trust and agency accounts
  • $6,272Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,780Other retirement accounts
  • $2,311Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $9,018Other fiduciary accounts
  • $8,523Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 81Number of Accounts
  • $0Personal trust and agency accounts
  • $2,311Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $190Other retirement accounts
  • $190Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01556Mauch Chunk Trust Company1111 North Street, Jim Thorpe, PA 18229August 25, 1902Full Service Brick and Mortar
    1192554Broadway BranchBroadway And Lehigh Avenue, Jim Thorpe, PA 18229April 14, 1969Full Service Brick and Mortar
    2192555Albrightsville BranchRoutes 903 And 534, Albrightsville, PA 18210August 16, 1988Full Service Brick and Mortar
    3192556Redner's Market Branch184 Market Street, Nesquehoning, PA 18240January 31, 1997Full Service Brick and Mortar
    4364399Trust Services And Investment Mgmt BMct Plaza, 1202 North Street, Jim Thorpe, PA 18229November 06, 2000Limited Service Trust
    5453288Lehighton Branch735 Blakeslee Blvd Dr East, Lehighton, PA 18235June 06, 2006Full Service Brick and Mortar
    6478807Hometown Branch226 Claremont Ave, Tamaqua, PA 18252November 12, 2007Full Service Brick and Mortar

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