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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