The Legacy Bank in Harrisburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 26, 2006

  • The Legacy Bank in Harrisburg, Pennsylvania (PA)
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The Legacy Bank - Overview

  • General
  • FDIC Certificate #: 35204
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank of Pennsylvania (#7888)
    Federal Reserve ID: 2846574
    Date Established: September 20, 1999
    WWW: http://www.thelegacybank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    FDIC's unique #: 76170
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 20, 1999
    Last Structure Change Effective Date: May 26, 2006
    Last Structure Change Process Date: July 26, 2006
    Last Data Update: July 26, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2600 Commerce Drive, Harrisburg, PA 17106
    County: Dauphin
    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)
  • Financial Summary
  • Total assets: $370.5 mil

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2005)

  • Dollar figures in thousands
  • 92Total employees (full-time equivalent)
  • $366,614Total assets
  • $6,550Cash and due from depository institutions
  • $215Interest-bearing balances
  • $41,833Securities
  • $3,015Federal funds sold & reverse repurchase agreements
  • $287,387Net loans & leases
  • $3,344Loan loss allowance
  • $0Trading account assets
  • $5,669Bank premises and fixed assets
  • $0Other real estate owned
  • $7,812Goodwill and other intangibles
  • $0Life insurance assets
  • $14,348All other assets
  • $366,614Total liabilities and capital
  • $330,153Total liabilities
  • $282,978Total deposits
  • $250,999Interest-bearing deposits
  • $282,978Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $41,000Other borrowed funds
  • $4,448Subordinated debt
  • $1,727All other liabilities
  • $36,461Total equity capital
  • $36,461Total bank equity capital
  • $36,461Perpetual preferred stock
  • $0Common stock
  • $18,196Surplus
  • $19,521Undivided profits
  • Memoranda
  • $-1,256Noncurrent loans and leases
  • $102,753Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,712Earning assets
  • $538Long-term assets (5+ years)
  • $1,922Average Assets, year-to-date
  • $332,450Average Assets, quarterly
  • $124,520Volatile liabilities
  • $359,414Insider loans
  • $374,377FHLB advances
  • $49,817Loans and leases held for sale
  • $25,528Unused loan commitments
  • $41,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $102,753Total unused commitments
  • $0Restructured Loans and leases
  • $7,803Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $19,971Total interest income
  • $8,353Total interest expense
  • $11,618Net interest income
  • $592Provision for loan and lease losses
  • $2,463Total noninterest income
  • $741Fiduciary activities
  • $618Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,104Additional noninterest income
  • $11,394Total noninterest expense
  • $5,894Salaries and employee benefits
  • $1,237Premises and equipment expense
  • $4,263Additional noninterest expense
  • $2,095Pre-tax net operating income
  • -$664Securities gains (losses)
  • $436Applicable income taxes
  • $995Income before extraordinary items
  • $0Extraordinary gains - net
  • $995Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $770Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.10%Yield on earning assets
  • 2.55%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 2.70%Return on equity (ROE)
  • 2.70%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 76.88%Credit loss provision to net charge-offs
  • 3.49%Efficiency ratio
  • 79,526Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 195.33%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 101.56%Net loans and leases to core deposits
  • 115.81%Equity capital to assets
  • 9.95%Core capital (leverage) ratio
  • 7.76%Tier 1 risk-based capital ratio
  • 10.00%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $359,414Average earning assets
  • $36,839Average equity
  • $327,263Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $143,220Managed Assets
  • 1Number of Accounts
  • $133,649Personal trust and agency accounts
  • $36,862Employee benefit-defined contribution accounts
  • $5,679Employee benefit-defined benefit accounts
  • $8,818Other retirement accounts
  • $13,939Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $68,351Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 232Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $9,571Other retirement accounts
  • $1,404Corporate trust and agency accounts
  • $6,239Other fiduciary accounts
  • $1,928Fiduciary accounts held in foreign offices

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