Peoples Bank and Trust Company in Jennerstown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 13, 1995

  • Peoples Bank and Trust Company in Jennerstown, Pennsylvania (PA)
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Peoples Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 8412
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Commonwealth Bank (#7468)
    Federal Reserve ID: 944524
    Date Established: August 15, 1924
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 10248
    FDIC's unique #: 5357
    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: November 13, 1995
    Last Structure Change Process Date: Febuary 06, 1996
    Last Data Update: Febuary 06, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: Pitt Street, Jennerstown, PA 15547
    County: Somerset
    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): Somerset, PA (#43740)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $110.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $43Total assets
  • $113,158Cash and due from depository institutions
  • $2,715Interest-bearing balances
  • $100Securities
  • $55,735Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $52,068Loan loss allowance
  • $714Trading account assets
  • $0Bank premises and fixed assets
  • $703Other real estate owned
  • $63Goodwill and other intangibles
  • $1,874Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $113,158Total liabilities
  • $104,581Total deposits
  • $95,494Interest-bearing deposits
  • $86,039Deposits held in domestic offices
  • 95494.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $2,900Trading liabilities
  • $0Other borrowed funds
  • $5,500Subordinated debt
  • $0All other liabilities
  • $687Total equity capital
  • $687Total bank equity capital
  • $8,577Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $1,734Undivided profits
  • Memoranda
  • $6,343Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $397Income earned, not collected on loans
  • $340Earning assets
  • $107,903Long-term assets (5+ years)
  • $49,414Average Assets, year-to-date
  • $114,405Average Assets, quarterly
  • $113,562Volatile liabilities
  • $10,689Insider loans
  • $453FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,792Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,748Total risk weighted assets
  • $59,821Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $7,772Total interest expense
  • $3,479Net interest income
  • $4,293Provision for loan and lease losses
  • $80Total noninterest income
  • $299Fiduciary activities
  • $0Service charges on deposit accounts
  • $168Trading account gains & fees
  • $0Additional noninterest income
  • $131Total noninterest expense
  • $2,434Salaries and employee benefits
  • $1,190Premises and equipment expense
  • $260Additional noninterest expense
  • $984Pre-tax net operating income
  • $2,078Securities gains (losses)
  • -$10Applicable income taxes
  • $650Income before extraordinary items
  • $1,418Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,418Net charge-offs
  • $12Cash dividends
  • $851Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.09%Cost of funding earning assets
  • 3.17%Net interest margin
  • 3.92%Noninterest income to earning assets
  • 0.27%Noninterest expense to earning assets
  • 2.22%Net operating income to assets
  • 1.25%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 1.81%Return on equity (ROE)
  • 15.76%Retained earnings to average equity (YTD only)
  • 6.30%Net charge-offs to loans
  • 0.02%Credit loss provision to net charge-offs
  • 666.67%Efficiency ratio
  • 53,005Assets per employee
  • 2.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.01%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 179.85%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 54.52%Net loans and leases to core deposits
  • 57.40%Equity capital to assets
  • 7.58%Core capital (leverage) ratio
  • 8.61%Tier 1 risk-based capital ratio
  • 16.30%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $114,405Average earning assets
  • $8,995Average equity
  • $109,600Average loans

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