Peoples Bank of Unity in Plum Borough, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 02, 1997

  • Peoples Bank of Unity in Plum Borough, Pennsylvania (PA)
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Peoples Bank of Unity - Overview

  • General
  • FDIC Certificate #: 6027
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: S&T Bank (#11124)
    Federal Reserve ID: 772325
    Date Established: January 04, 1918
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 4074
    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: May 02, 1997
    Last Structure Change Process Date: June 16, 1997
    Last Data Update: June 16, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 7660 Saltsburg Road, Plum Borough, PA 15239
    County: Allegheny
    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): Pittsburgh, PA (#6280)
    Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430)
    Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300)
    CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
  • Financial Summary
  • Total assets: $287.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $105Total assets
  • $291,174Cash and due from depository institutions
  • $7,391Interest-bearing balances
  • $0Securities
  • $118,116Federal funds sold & reverse repurchase agreements
  • $6,465Net loans & leases
  • $152,322Loan loss allowance
  • $1,686Trading account assets
  • $0Bank premises and fixed assets
  • $4,112Other real estate owned
  • $122Goodwill and other intangibles
  • $2,646Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $291,174Total liabilities
  • $241,332Total deposits
  • $238,165Interest-bearing deposits
  • $194,591Deposits held in domestic offices
  • 238165.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $225Subordinated debt
  • $0All other liabilities
  • $2,942Total equity capital
  • $2,942Total bank equity capital
  • $49,842Perpetual preferred stock
  • $0Common stock
  • $1,156Surplus
  • $13,544Undivided profits
  • Memoranda
  • $35,142Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,988Income earned, not collected on loans
  • $785Earning assets
  • $276,903Long-term assets (5+ years)
  • $145,875Average Assets, year-to-date
  • $288,517Average Assets, quarterly
  • $289,608Volatile liabilities
  • $12,414Insider loans
  • $10,239FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $22,353Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $47,836Total risk weighted assets
  • $156,945Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $21,009Total interest expense
  • $7,044Net interest income
  • $13,965Provision for loan and lease losses
  • $875Total noninterest income
  • $754Fiduciary activities
  • $0Service charges on deposit accounts
  • $427Trading account gains & fees
  • $0Additional noninterest income
  • $327Total noninterest expense
  • $6,887Salaries and employee benefits
  • $3,168Premises and equipment expense
  • $1,217Additional noninterest expense
  • $2,502Pre-tax net operating income
  • $6,957Securities gains (losses)
  • $51Applicable income taxes
  • $2,015Income before extraordinary items
  • $4,993Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,993Net charge-offs
  • $316Cash dividends
  • $1,453Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.68%Cost of funding earning assets
  • 2.57%Net interest margin
  • 5.10%Noninterest income to earning assets
  • 0.28%Noninterest expense to earning assets
  • 2.52%Net operating income to assets
  • 1.72%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 2.43%Return on equity (ROE)
  • 10.38%Retained earnings to average equity (YTD only)
  • 7.36%Net charge-offs to loans
  • 0.23%Credit loss provision to net charge-offs
  • 276.90%Efficiency ratio
  • 46,790Assets per employee
  • 2.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.10%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 84.81%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 1.29%Net loans and leases to deposits
  • 63.96%Net loans and leases to core deposits
  • 67.47%Equity capital to assets
  • 17.12%Core capital (leverage) ratio
  • 16.53%Tier 1 risk-based capital ratio
  • 30.48%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $288,517Average earning assets
  • $48,124Average equity
  • $273,726Average loans

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