The Schuylkill Haven Trust Company in Schuylkill Haven, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 1995

  • The Schuylkill Haven Trust Company in Schuylkill Haven, Pennsylvania (PA)
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The Schuylkill Haven Trust Company - Overview

  • General
  • FDIC Certificate #: 724
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Heritage National Bank (#7711)
    Federal Reserve ID: 268912
    Date Established: May 19, 1910
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 9780
    FDIC's unique #: 462
    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: March 01, 1995
    Last Structure Change Process Date: March 14, 1995
    Last Data Update: March 14, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 24-28 East Main Street, Schuylkill Haven, PA 17972
    County: Schuylkill
    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
    Core Based Statistical Area (CBSA): Pottsville, PA (#39060)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $82.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $44Total assets
  • $82,823Cash and due from depository institutions
  • $2,813Interest-bearing balances
  • $66Securities
  • $22,068Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $55,109Loan loss allowance
  • $751Trading account assets
  • $0Bank premises and fixed assets
  • $1,444Other real estate owned
  • $0Goodwill and other intangibles
  • $1,389Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $82,823Total liabilities
  • $74,146Total deposits
  • $66,706Interest-bearing deposits
  • $57,775Deposits held in domestic offices
  • 66706.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $1,876Trading liabilities
  • $0Other borrowed funds
  • $4,853Subordinated debt
  • $0All other liabilities
  • $711Total equity capital
  • $711Total bank equity capital
  • $8,677Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $915Undivided profits
  • Memoranda
  • $7,262Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $984Income earned, not collected on loans
  • $299Earning assets
  • $77,243Long-term assets (5+ years)
  • $27,885Average Assets, year-to-date
  • $81,423Average Assets, quarterly
  • $82,652Volatile liabilities
  • $5,647Insider loans
  • $2,047FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $6,238Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,880Total risk weighted assets
  • $47,990Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,836Total interest expense
  • $2,040Net interest income
  • $3,796Provision for loan and lease losses
  • $197Total noninterest income
  • $484Fiduciary activities
  • $0Service charges on deposit accounts
  • $166Trading account gains & fees
  • $0Additional noninterest income
  • $318Total noninterest expense
  • $2,616Salaries and employee benefits
  • $1,240Premises and equipment expense
  • $473Additional noninterest expense
  • $903Pre-tax net operating income
  • $1,467Securities gains (losses)
  • $16Applicable income taxes
  • $418Income before extraordinary items
  • $1,065Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,065Net charge-offs
  • $50Cash dividends
  • $396Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.68%Cost of funding earning assets
  • 2.69%Net interest margin
  • 5.00%Noninterest income to earning assets
  • 0.64%Noninterest expense to earning assets
  • 3.44%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 1.82%Return on equity (ROE)
  • 12.54%Retained earnings to average equity (YTD only)
  • 7.88%Net charge-offs to loans
  • 0.10%Credit loss provision to net charge-offs
  • 394.00%Efficiency ratio
  • 61,121Assets per employee
  • 1.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.18%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 76.32%Noncurrent assets plus other real estate owned to assets
  • 1.19%Noncurrent loans to loans
  • 1.76%Net loans and leases to deposits
  • 82.61%Net loans and leases to core deposits
  • 87.02%Equity capital to assets
  • 10.48%Core capital (leverage) ratio
  • 10.84%Tier 1 risk-based capital ratio
  • 18.50%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $81,423Average earning assets
  • $8,492Average equity
  • $75,944Average loans

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