The York Bank and Trust Company in York, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 13, 1998

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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total 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
  • 304Total employees (full-time equivalent)
  • $1,108,561Total assets
  • $45,768Cash and due from depository institutions
  • $0Interest-bearing balances
  • $255,943Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $708,111Net loans & leases
  • $13,416Loan loss allowance
  • $0Trading account assets
  • $15,675Bank premises and fixed assets
  • $278Other real estate owned
  • $23,104Goodwill and other intangibles
  • $0Life insurance assets
  • $59,682All other assets
  • $1,108,561Total liabilities and capital
  • $1,004,614Total liabilities
  • $868,468Total deposits
  • $757,298Interest-bearing deposits
  • $868,468Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $119,772Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $214Other borrowed funds
  • $0Subordinated debt
  • $16,160All other liabilities
  • $103,947Total equity capital
  • $103,947Total bank equity capital
  • $103,947Perpetual preferred stock
  • $0Common stock
  • $6,151Surplus
  • $91,403Undivided profits
  • Memoranda
  • $6,393Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,307Earning assets
  • $0Long-term assets (5+ years)
  • $3,625Average Assets, year-to-date
  • $964,054Average Assets, quarterly
  • $130,903Volatile liabilities
  • $1,092,197Insider loans
  • $1,103,834FHLB advances
  • $275,125Loans and leases held for sale
  • $24,242Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $216,627Total unused commitments
  • $0Restructured Loans and leases
  • $854,783Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $76,420Total interest income
  • $36,971Total interest expense
  • $39,449Net interest income
  • $1,285Provision for loan and lease losses
  • $9,029Total noninterest income
  • $0Fiduciary activities
  • $6,057Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,972Additional noninterest income
  • $32,759Total noninterest expense
  • $9,988Salaries and employee benefits
  • $3,743Premises and equipment expense
  • $19,028Additional noninterest expense
  • $14,434Pre-tax net operating income
  • -$602Securities gains (losses)
  • $4,931Applicable income taxes
  • $8,901Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,901Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,285Sale, conversion, retirement of capital stock, net
  • $38,000Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.75%Yield on earning assets
  • 3.75%Cost of funding earning assets
  • 4.00%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 7.88%Return on equity (ROE)
  • -25.76%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 12.23%Efficiency ratio
  • 62,280Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 426.92%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 311.49%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.60%Net loans and leases to deposits
  • 81.54%Net loans and leases to core deposits
  • 99.27%Equity capital to assets
  • 9.38%Core capital (leverage) ratio
  • 7.52%Tier 1 risk-based capital ratio
  • 9.37%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $1,092,197Average earning assets
  • $112,970Average equity
  • $986,539Average loans

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