Union Community Bank FSB in Lancaster, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Union Community Bank FSB in Lancaster, Pennsylvania (PA)
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Union Community Bank FSB - Overview

  • General
  • FDIC Certificate #: 35257
    Status: Active
    Federal Reserve ID: 2939663
    Date Established: September 12, 2000
    WWW: http://www.unioncommunitybank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 15 (Domestic: 15, Interstate: No)
    OTS Docket #: 16137
    FDIC's unique #: 77221
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 12, 2000
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 570 Lausch Ln Ste 300, Lancaster, PA 17601
    County: Lancaster
    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): Lancaster, PA (#4000)
    Core Based Statistical Area (CBSA): Lancaster, PA (#29540)
    CBSA Metro Statistical Area: Lancaster, PA (#29540)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $533.2 mil
    Equity capital: $70.2 mil
    Deposits held in domestic offices: $454.9 mil
    Return on assets (ROA): 1.32% ($7.0 mil)
    Quarterly return on assets: 1.25% ($6.7 mil)
    Return on Equity (ROE): 9.98% ($7.0 mil)
    Quarterly return on equity: 9.58% ($6.7 mil)
    Net income: $4.8 mil
    Quarterly Net income: $1.7 mil
    Pretax return on assets: 1.89% ($10,078.1 mil)
    Quarterly Pretax return on assets: 1.67% ($8,905.0 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, 2011)

  • Dollar figures in thousands
  • 135Total employees (full-time equivalent)
  • $533,233Total assets
  • $52,310Cash and due from depository institutions
  • $34,061Interest-bearing balances
  • $96,328Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $340,838Net loans & leases
  • $3,413Loan loss allowance
  • $0Trading account assets
  • $12,245Bank premises and fixed assets
  • $733Other real estate owned
  • $3,105Goodwill and other intangibles
  • $533,233Life insurance assets
  • $27,674All other assets
  • $462,989Total liabilities and capital
  • $454,883Total liabilities
  • $374,914Total deposits
  • $454,883Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,965Other borrowed funds
  • $5,141Subordinated debt
  • $70,244All other liabilities
  • $70,244Total equity capital
  • $70,244Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $62,538Surplus
  • $7,706Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,331Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,893Income earned, not collected on loans
  • $0Earning assets
  • $1,714Long-term assets (5+ years)
  • $471,227Average Assets, year-to-date
  • $148,256Average Assets, quarterly
  • $364,689Volatile liabilities
  • $534,972Insider loans
  • $400,286FHLB advances
  • $532,739Loans and leases held for sale
  • $12,166Unused loan commitments
  • $6,345Tier 1 (core) risk-based capital
  • $65,187Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,821Total unused commitments
  • $100,040Restructured Loans and leases
  • $5,882Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,787Total interest income
  • $2,371Total interest expense
  • $18,416Net interest income
  • $2,641Provision for loan and lease losses
  • $3,633Total noninterest income
  • $42Fiduciary activities
  • $1,105Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,486Additional noninterest income
  • $14,304Total noninterest expense
  • $7,146Salaries and employee benefits
  • $2,000Premises and equipment expense
  • $5,158Additional noninterest expense
  • $5,104Pre-tax net operating income
  • $1,805Securities gains (losses)
  • $2,101Applicable income taxes
  • $4,808Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,808Net income attributable to bank
  • $0Net charge-offs
  • $4,808Cash dividends
  • $243Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.41%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 5.68%Net interest margin
  • 1.12%Noninterest income to earning assets
  • 4.41%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 1.32%Return on assets (ROA)
  • 1.89%Pretax return on assets
  • 9.98%Return on equity (ROE)
  • 9.98%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 1086.83%Credit loss provision to net charge-offs
  • 31.87%Efficiency ratio
  • 64,874Assets per employee
  • 3.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 57.92%Noncurrent assets plus other real estate owned to assets
  • 1.24%Noncurrent loans to loans
  • 1.71%Net loans and leases to deposits
  • 74.93%Net loans and leases to core deposits
  • 79.04%Equity capital to assets
  • 13.17%Core capital (leverage) ratio
  • 12.24%Tier 1 risk-based capital ratio
  • 16.29%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $364,689Average earning assets
  • $48,191Average equity
  • $324,328Average loans

List of branches

  • 15 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    077221Union Community Bank Fsb570 Lausch Ln Ste 300, Lancaster, PA 17601September 12, 2000Full Service Brick and Mortar
    1518521Columbia Branch10 South 18th St, Columbia, PA 17512December 02, 2002Full Service Brick and Mortar
    2518522Lancaster Branch2134 Marietta Ave, Lancaster, PA 17603December 17, 2004Full Service Brick and Mortar
    4216159Maytown Branch100 West High Street, Maytown, PA 17550Febuary 02, 1956Full Service Brick and Mortar
    5216160Motor Branch21 North Barbara Street, Mount Joy, PA 17552October 25, 1972Limited Service Facility
    6216161Hempfield Branch190 Stony Battery Road, Salunga, PA 17538May 21, 1979Full Service Brick and Mortar
    7216162Elizabethtown Branch1275 South Market Street, Elizabethtown, PA 17022January 25, 1988Full Service Brick and Mortar
    8216163Columbia Branch921 Lancaster Avenue, Columbia, PA 17512October 19, 1992Full Service Brick and Mortar
    9216164Manheim Branch701 Lancaster Road, Manheim, PA 17545November 13, 1995Full Service Brick and Mortar
    10424619Roseville Road Branch38 East Roseville Road, Lancaster, PA 17601November 10, 2003Full Service Brick and Mortar
    11451180Mount Joy Branch101 East Main Street, Mount Joy, PA 17552March 27, 2006Full Service Brick and Mortar
    12451719Old Philadelphia Pike Branch1625 Old Philadelphia Pike, Lancaster, PA 17602April 24, 2006Full Service Brick and Mortar
    13458307Centreville Road Office Branch301 Centreville Road, Lancaster, PA 17601November 28, 2006Full Service Brick and Mortar
    14463509Ephrata Branch108 North Reading Road, Ephrata, PA 17522April 23, 2007Full Service Brick and Mortar
    15519351Marietta Branch1205 River Road, Marietta, PA 17547May 06, 2011Full Service Brick and Mortar

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