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

This bank is inactive as of June 01, 1996

  • The Spring Grove National Bank in Spring Grove, Pennsylvania (PA)
  • Show street view No street view available for this location

The Spring Grove National Bank - Overview

  • General
  • FDIC Certificate #: 7763
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Susquehanna Bank (#7579)
    Federal Reserve ID: 58010
    Date Established: August 22, 1933
    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 #: 5009
    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: June 01, 1996
    Last Structure Change Process Date: July 24, 1996
    Last Data Update: July 24, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 10 South Main Street, Spring Grove, PA 17362
    County: York
    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): York, PA (#9280)
    Combined Statistical Area (CSA): York-Hanover-Gettysburg, PA (#564)
    Core Based Statistical Area (CBSA): York-Hanover, PA (#49620)
    CBSA Metro Statistical Area: York-Hanover, PA (#49620)
  • Financial Summary
  • Total assets: $61.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $34Total assets
  • $63,344Cash and due from depository institutions
  • $1,894Interest-bearing balances
  • $0Securities
  • $14,413Federal funds sold & reverse repurchase agreements
  • $5,500Net loans & leases
  • $39,374Loan loss allowance
  • $666Trading account assets
  • $0Bank premises and fixed assets
  • $1,390Other real estate owned
  • $0Goodwill and other intangibles
  • $773Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $63,344Total liabilities
  • $57,208Total deposits
  • $55,994Interest-bearing deposits
  • $50,948Deposits held in domestic offices
  • 55994.00%% insured (estimated)
  • $79Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $460Subordinated debt
  • $0All other liabilities
  • $754Total equity capital
  • $754Total bank equity capital
  • $6,136Perpetual preferred stock
  • $0Common stock
  • $503Surplus
  • $1,331Undivided profits
  • Memoranda
  • $4,302Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $192Income earned, not collected on loans
  • $210Earning assets
  • $59,287Long-term assets (5+ years)
  • $11,305Average Assets, year-to-date
  • $60,144Average Assets, quarterly
  • $63,362Volatile liabilities
  • $1,260Insider loans
  • $428FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,644Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,141Total risk weighted assets
  • $44,681Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,503Total interest expense
  • $1,851Net interest income
  • $2,652Provision for loan and lease losses
  • $14Total noninterest income
  • $183Fiduciary activities
  • $0Service charges on deposit accounts
  • $78Trading account gains & fees
  • $0Additional noninterest income
  • $105Total noninterest expense
  • $1,908Salaries and employee benefits
  • $1,004Premises and equipment expense
  • $193Additional noninterest expense
  • $711Pre-tax net operating income
  • $913Securities gains (losses)
  • $9Applicable income taxes
  • $247Income before extraordinary items
  • $675Extraordinary gains - net
  • $0Net income attributable to bank
  • $675Net charge-offs
  • -$31Cash dividends
  • $541Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.94%Cost of funding earning assets
  • 3.26%Net interest margin
  • 4.68%Noninterest income to earning assets
  • 0.32%Noninterest expense to earning assets
  • 3.36%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 1.53%Return on equity (ROE)
  • 11.33%Retained earnings to average equity (YTD only)
  • 2.25%Net charge-offs to loans
  • -0.08%Credit loss provision to net charge-offs
  • -45.16%Efficiency ratio
  • 67,302Assets per employee
  • 1.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.15%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 346.88%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.48%Net loans and leases to deposits
  • 70.32%Net loans and leases to core deposits
  • 71.34%Equity capital to assets
  • 9.69%Core capital (leverage) ratio
  • 9.78%Tier 1 risk-based capital ratio
  • 13.74%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $60,144Average earning assets
  • $5,957Average equity
  • $56,708Average loans

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