The First Bank and Trust Company of Mechanicsburg, Pa. in Mechanicsburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 06, 1993

  • The First Bank and Trust Company of Mechanicsburg, Pa. in Mechanicsburg, Pennsylvania (PA)
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The First Bank and Trust Company of Mechanicsburg, Pa. - Overview

  • General
  • FDIC Certificate #: 6055
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: PNC Bank, National Association (#7944)
    Federal Reserve ID: 766212
    Date Established: January 01, 1859
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    FDIC's unique #: 4087
    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: August 06, 1993
    Last Structure Change Process Date: August 13, 1993
    Last Data Update: September 13, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Market Streets, Mechanicsburg, PA 17055
    County: Cumberland
    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): Harrisburg-Lebanon-Carlisle, PA (#3240)
    Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
    Core Based Statistical Area (CBSA): Harrisburg-Carlisle, PA (#25420)
    CBSA Metro Statistical Area: Harrisburg-Carlisle, PA (#25420)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $178.1 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $75Total assets
  • $176,274Cash and due from depository institutions
  • $3,324Interest-bearing balances
  • $0Securities
  • $24,786Federal funds sold & reverse repurchase agreements
  • $9,300Net loans & leases
  • $135,160Loan loss allowance
  • $2,263Trading account assets
  • $0Bank premises and fixed assets
  • $1,738Other real estate owned
  • $88Goodwill and other intangibles
  • $1,878Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $176,274Total liabilities
  • $158,795Total deposits
  • $156,572Interest-bearing deposits
  • $141,685Deposits held in domestic offices
  • 156572.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,284Subordinated debt
  • $0All other liabilities
  • $939Total equity capital
  • $939Total bank equity capital
  • $17,479Perpetual preferred stock
  • $0Common stock
  • $501Surplus
  • $3,301Undivided profits
  • Memoranda
  • $13,677Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,377Income earned, not collected on loans
  • $713Earning assets
  • $169,246Long-term assets (5+ years)
  • $54,402Average Assets, year-to-date
  • $176,646Average Assets, quarterly
  • $176,672Volatile liabilities
  • $12,163Insider loans
  • $64FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $18,020Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,479Total risk weighted assets
  • $136,928Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $14,863Total interest expense
  • $6,511Net interest income
  • $8,352Provision for loan and lease losses
  • $891Total noninterest income
  • $1,262Fiduciary activities
  • $347Service charges on deposit accounts
  • $385Trading account gains & fees
  • $0Additional noninterest income
  • $530Total noninterest expense
  • $5,210Salaries and employee benefits
  • $2,334Premises and equipment expense
  • $595Additional noninterest expense
  • $2,281Pre-tax net operating income
  • $3,513Securities gains (losses)
  • $165Applicable income taxes
  • $1,058Income before extraordinary items
  • $2,620Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,620Net charge-offs
  • $419Cash dividends
  • $1,625Sale, 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
  • 8.81%Cost of funding earning assets
  • 3.86%Net interest margin
  • 4.95%Noninterest income to earning assets
  • 0.75%Noninterest expense to earning assets
  • 3.09%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 2.08%Return on equity (ROE)
  • 15.39%Retained earnings to average equity (YTD only)
  • 5.85%Net charge-offs to loans
  • 0.31%Credit loss provision to net charge-offs
  • 212.65%Efficiency ratio
  • 54,192Assets per employee
  • 2.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.02%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 67.01%Noncurrent assets plus other real estate owned to assets
  • 1.97%Noncurrent loans to loans
  • 2.46%Net loans and leases to deposits
  • 86.32%Net loans and leases to core deposits
  • 92.77%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 9.87%Tier 1 risk-based capital ratio
  • 12.77%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $176,646Average earning assets
  • $17,023Average equity
  • $168,670Average loans

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