The Denver National Bank in Denver, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 27, 1993

The Denver National Bank in Denver, Pennsylvania (PA)
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The Denver National Bank - Overview

General
FDIC Certificate #: 7462
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Fulton Bank, National Association (#7551)
Federal Reserve ID: 229418
Date Established: December 19, 1901
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Interstate: No)
FDIC's unique #: 4849
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 27, 1993
Last Structure Change Process Date: April 13, 1993
Last Data Update: April 13, 1993
Data Source Date: April 05, 2012
Location
Address: Main Street, Denver, PA 17517
County: Lancaster
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): Lancaster, PA (#4000)
Core Based Statistical Area (CBSA): Lancaster, PA (#29540)
CBSA Metro Statistical Area: Lancaster, PA (#29540)
Financial Summary
Total assets: $192.2 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$40Total assets
$192,200Cash and due from depository institutions
$7,582Interest-bearing balances
$0Securities
$80,261Federal funds sold & reverse repurchase agreements
$6,800Net loans & leases
$91,044Loan loss allowance
$1,595Trading account assets
$0Bank premises and fixed assets
$1,322Other real estate owned
$2,298Goodwill and other intangibles
$2,893Life insurance assets
$0All other assets
$0Total liabilities and capital
$192,200Total liabilities
$159,960Total deposits
$158,099Interest-bearing deposits
$140,241Deposits held in domestic offices
158099.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$962Subordinated debt
$0All other liabilities
$899Total equity capital
$899Total bank equity capital
$32,240Perpetual preferred stock
$0Common stock
$400Surplus
$4,000Undivided profits
Memoranda
$27,840Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,256Income earned, not collected on loans
$435Earning assets
$178,105Long-term assets (5+ years)
$62,933Average Assets, year-to-date
$188,241Average Assets, quarterly
$191,243Volatile liabilities
$17,547Insider loans
$57FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$32,240Total risk weighted assets
$110,113Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$14,337Total interest expense
$6,775Net interest income
$7,562Provision for loan and lease losses
$1,463Total noninterest income
$175Fiduciary activities
$0Service charges on deposit accounts
$81Trading account gains & fees
$0Additional noninterest income
$94Total noninterest expense
$3,368Salaries and employee benefits
$1,349Premises and equipment expense
$372Additional noninterest expense
$1,647Pre-tax net operating income
$2,906Securities gains (losses)
$19Applicable income taxes
$758Income before extraordinary items
$2,167Extraordinary gains - net
$0Net income attributable to bank
$2,167Net charge-offs
$1,693Cash dividends
$584Sale, 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
8.12%Cost of funding earning assets
3.84%Net interest margin
4.28%Noninterest income to earning assets
0.10%Noninterest expense to earning assets
1.91%Net operating income to assets
1.14%Return on assets (ROA)
1.15%Pretax return on assets
1.55%Return on equity (ROE)
6.79%Retained earnings to average equity (YTD only)
4.96%Net charge-offs to loans
1.72%Credit loss provision to net charge-offs
86.41%Efficiency ratio
43,531Assets per employee
4.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
26.95%Loss allowance to loans
1.72%Loss allowance to noncurrent loans
126.99%Noncurrent assets plus other real estate owned to assets
1.85%Noncurrent loans to loans
1.36%Net loans and leases to deposits
57.59%Net loans and leases to core deposits
64.34%Equity capital to assets
16.77%Core capital (leverage) ratio
16.89%Tier 1 risk-based capital ratio
29.28%Total risk-based capital ratio
Memoranda
$31Average assets
$188,241Average earning assets
$31,930Average equity
$176,496Average loans

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