Pennsylvania State Bank in Camp Hill, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 25, 2007

  • Pennsylvania State Bank in Camp Hill, Pennsylvania (PA)
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Pennsylvania State Bank - Overview

  • General
  • FDIC Certificate #: 27517
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BLC Bank N. A. (#7768)
    Federal Reserve ID: 1391415
    Date Established: April 24, 1989
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Interstate: No)
    OTS Docket #: 9958
    FDIC's unique #: 40250
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 24, 1989
    Last Structure Change Effective Date: May 25, 2007
    Last Structure Change Process Date: June 06, 2007
    Last Data Update: June 06, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2148 Market Street, Camp Hill, PA 17011
    County: Cumberland
    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): Harrisburg-Lebanon-Carlisle, PA (#3240)
    Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
    Core Based Statistical Area (CBSA): Harrisburg-Carlisle, PA (#25420)
    CBSA Metro Statistical Area: Harrisburg-Carlisle, PA (#25420)
  • Financial Summary
  • Total assets: $307.1 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, 2006)

  • Dollar figures in thousands
  • 41Total employees (full-time equivalent)
  • $296,809Total assets
  • $8,160Cash and due from depository institutions
  • $368Interest-bearing balances
  • $37,417Securities
  • $7,540Federal funds sold & reverse repurchase agreements
  • $192,692Net loans & leases
  • $2,151Loan loss allowance
  • $0Trading account assets
  • $5,128Bank premises and fixed assets
  • $0Other real estate owned
  • $36,061Goodwill and other intangibles
  • $4,211Life insurance assets
  • $9,811All other assets
  • $296,809Total liabilities and capital
  • $239,360Total liabilities
  • $210,021Total deposits
  • $176,796Interest-bearing deposits
  • $210,021Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,021Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $24,530Other borrowed funds
  • $0Subordinated debt
  • $2,788All other liabilities
  • $57,449Total equity capital
  • $57,449Total bank equity capital
  • $57,449Perpetual preferred stock
  • $0Common stock
  • $5,250Surplus
  • $49,954Undivided profits
  • Memoranda
  • $2,245Noncurrent loans and leases
  • $43,810Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,589Earning assets
  • $0Long-term assets (5+ years)
  • $1,140Average Assets, year-to-date
  • $238,017Average Assets, quarterly
  • $72,717Volatile liabilities
  • $287,125Insider loans
  • $297,364FHLB advances
  • $38,906Loans and leases held for sale
  • $11,344Unused loan commitments
  • $24,530Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $825Total risk weighted assets
  • $43,810Total unused commitments
  • $0Restructured Loans and leases
  • $2,195Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $15,350Total interest income
  • $7,282Total interest expense
  • $8,068Net interest income
  • $1,041Provision for loan and lease losses
  • $1,067Total noninterest income
  • $0Fiduciary activities
  • $347Service charges on deposit accounts
  • $0Trading account gains & fees
  • $720Additional noninterest income
  • $6,963Total noninterest expense
  • $2,394Salaries and employee benefits
  • $620Premises and equipment expense
  • $3,949Additional noninterest expense
  • $1,131Pre-tax net operating income
  • $0Securities gains (losses)
  • $242Applicable income taxes
  • $889Income before extraordinary items
  • $0Extraordinary gains - net
  • $889Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $694Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.76%Yield on earning assets
  • 3.21%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 3.07%Noninterest expense to earning assets
  • 0.31%Net operating income to assets
  • 0.31%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 1.57%Return on equity (ROE)
  • 1.57%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 150.00%Credit loss provision to net charge-offs
  • 3.13%Efficiency ratio
  • 76,223Assets per employee
  • 7.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 135.37%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 91.75%Net loans and leases to core deposits
  • 104.87%Equity capital to assets
  • 19.36%Core capital (leverage) ratio
  • 8.63%Tier 1 risk-based capital ratio
  • 10.86%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $287,125Average earning assets
  • $56,447Average equity
  • $226,993Average loans

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