The York Bank and Trust Company in York, Pennsylvania (PA)

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The York Bank and Trust Company
GeneralFDIC Certificate #: 18325
Status: Inactive
Closing history: Corrections
Acquiring institution: Allfirst Bank (#4822)
Federal Reserve ID: 935410
Date Established: January 01, 1810
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 35 (Interstate: No)
FDIC's unique #: 12240
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: November 13, 1998
Last Structure Change Process Date: January 27, 1999
Last Data Update: Febuary 10, 2000
Data Source Date: April 05, 2012
LocationAddress: Market And Beaver Streets, York, PA 17405
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)
History of ChangesMerger - Without Assistance
Financial SummaryTotal assets: $954.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)
(Dollar figures in thousands)
Total employees (full-time equivalent)304
Total assets$1,108,561
Cash and due from depository institutions$45,768
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$708,111
Loan loss allowance $13,416
Trading account assets$0
Bank premises and fixed assets$15,675
Other real estate owned$278
Goodwill and other intangibles$23,104
All other assets$59,682
Life insurance assets$0
Total liabilities and capital$1,108,561
Total liabilities$1,004,614
Total deposits$868,468
Interest-bearing deposits$757,298
Deposits held in domestic offices$868,468
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $119,772
Trading liabilities$0
Other borrowed funds $214
Subordinated debt $0
All other liabilities $16,160
Total equity capital$103,947
Total bank equity capital$103,947
Perpetual preferred stock$103,947
Common stock$0
Undivided profits $91,403
Noncurrent loans and leases $6,393
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $4,307
Long-term assets (5+ years) $0
Average Assets, year-to-date $3,625
Average Assets, quarterly $964,054
Volatile liabilities $130,903
Insider loans $1,092,197
FHLB advances $1,103,834
Loans and leases held for sale $275,125
Unused loan commitments $24,242
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $216,627
Restructured Loans and leases $0
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Income and Expense (December 31, 1997)
(Dollar figures in thousands)
Total interest income $76,420
Total interest expense $36,971
Net interest income $39,449
Provision for loan and lease losses $1,285
Total noninterest income $9,029
Fiduciary activities $0
Service charges on deposit accounts $6,057
Trading account gains & fees $0
Additional noninterest income $2,972
Total noninterest expense $32,759
Salaries and employee benefits $9,988
Premises and equipment expense $3,743
Additional noninterest expense $19,028
Pre-tax net operating income $14,434
Securities gains (losses) -$602
Applicable income taxes $4,931
Income before extraordinary items $8,901
Extraordinary gains - net $0
Net income attributable to bank $8,901
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $1,285
Net operating income $38,000
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Performance and Condition Ratios (December 31, 1997)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets7.75%
Cost of funding earning assets 3.75%
Net interest margin 4.00%
Noninterest income to earning assets 0.92%
Noninterest expense to earning assets 3.32%
Net operating income to assets 0.85%
Return on assets (ROA) 0.81%
Pretax return on assets 1.27%
Return on equity (ROE) 7.88%
Retained earnings to average equity (YTD only) -25.76%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 100.00%
Efficiency ratio12.23%
Assets per employee$62,280
Cash dividends to net income (YTD only)3.65%
Condition Ratios (%)
Loss allowance to loans 426.92%
Loss allowance to noncurrent loans 1.86%
Noncurrent assets plus other real estate owned to assets 311.49%
Noncurrent loans to loans 0.41%
Net loans and leases to deposits0.60%
Net loans and leases to core deposits 81.54%
Equity capital to assets 99.27%
Core capital (leverage) ratio 9.38%
Tier 1 risk-based capital ratio 7.52%
Total risk-based capital ratio 9.37%
Average assets$11
Average earning assets$1,092,197
Average equity $112,970
Average loans $986,539
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