Provident National Bank in Bryn Mawr, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 04, 1993

  • Provident National Bank in Bryn Mawr, Pennsylvania (PA)
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Provident National Bank - Overview

  • General
  • FDIC Certificate #: 720
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: PNC Bank, National Association (#7944)
    Federal Reserve ID: 981912
    Date Established: January 01, 1847
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 87 (Interstate: No)
    FDIC's unique #: 461
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 04, 1993
    Last Structure Change Process Date: Febuary 23, 1993
    Last Data Update: June 08, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 18 South Bryn Mawr Avenue, Bryn Mawr, PA 19010
    County: Montgomery
    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)
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $9,335.1 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $2,987Total assets
  • $9,335,068Cash and due from depository institutions
  • $554,763Interest-bearing balances
  • $1,162Securities
  • $3,476,813Federal funds sold & reverse repurchase agreements
  • $37,275Net loans & leases
  • $4,968,218Loan loss allowance
  • $178,938Trading account assets
  • $0Bank premises and fixed assets
  • $69,778Other real estate owned
  • $3,835Goodwill and other intangibles
  • $224,386Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $9,335,068Total liabilities
  • $8,667,887Total deposits
  • $5,956,637Interest-bearing deposits
  • $4,590,373Deposits held in domestic offices
  • 5459230.00%% insured (estimated)
  • $63Federal funds purchased & repurchase agreements
  • $2,032,616Trading liabilities
  • $0Other borrowed funds
  • $530,189Subordinated debt
  • $22,856All other liabilities
  • $125,589Total equity capital
  • $125,589Total bank equity capital
  • $667,181Perpetual preferred stock
  • $0Common stock
  • $16,158Surplus
  • $176,254Undivided profits
  • Memoranda
  • $474,769Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $146,557Income earned, not collected on loans
  • $25,716Earning assets
  • $8,483,468Long-term assets (5+ years)
  • $3,203,153Average Assets, year-to-date
  • $7,946,941Average Assets, quarterly
  • $8,615,078Volatile liabilities
  • $3,827,254Insider loans
  • $134FHLB advances
  • $0Loans and leases held for sale
  • $656Unused loan commitments
  • $1,648,482Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $667,181Total risk weighted assets
  • $7,044,756Total unused commitments
  • $0Restructured Loans and leases
  • $1,800,550Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $497,530Total interest expense
  • $210,395Net interest income
  • $287,135Provision for loan and lease losses
  • $66,073Total noninterest income
  • $173,954Fiduciary activities
  • $96,479Service charges on deposit accounts
  • $13,459Trading account gains & fees
  • $491Additional noninterest income
  • $63,525Total noninterest expense
  • $237,230Salaries and employee benefits
  • $128,006Premises and equipment expense
  • $45,864Additional noninterest expense
  • $63,360Pre-tax net operating income
  • $157,786Securities gains (losses)
  • $5,608Applicable income taxes
  • $52,688Income before extraordinary items
  • $110,706Extraordinary gains - net
  • $0Net income attributable to bank
  • $110,706Net charge-offs
  • $38,303Cash dividends
  • $21,400Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.88%Cost of funding earning assets
  • 2.91%Net interest margin
  • 3.97%Noninterest income to earning assets
  • 2.41%Noninterest expense to earning assets
  • 3.28%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 2.06%Return on equity (ROE)
  • 19.18%Retained earnings to average equity (YTD only)
  • 15.47%Net charge-offs to loans
  • 0.85%Credit loss provision to net charge-offs
  • 172.50%Efficiency ratio
  • 51,450Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.33%Loss allowance to loans
  • 3.48%Loss allowance to noncurrent loans
  • 122.09%Noncurrent assets plus other real estate owned to assets
  • 1.61%Noncurrent loans to loans
  • 2.85%Net loans and leases to deposits
  • 83.41%Net loans and leases to core deposits
  • 106.03%Equity capital to assets
  • 7.15%Core capital (leverage) ratio
  • 7.80%Tier 1 risk-based capital ratio
  • 9.47%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $7,946,941Average earning assets
  • $577,325Average equity
  • $7,232,425Average loans

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