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- Union National Community Bank
Union National Community Bank in Lancaster, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of May 06, 2011
- Union National Community Bank in Lancaster, Pennsylvania (PA)
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Union National Community Bank - Overview
- General
- FDIC Certificate #: 7635
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Union Community Bank FSB (#35257)
Federal Reserve ID: 43511
Date Established: October 23, 1853
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 12 (Interstate: No)
OTS Docket #: 12221
FDIC's unique #: 4948
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: May 06, 2011
Last Structure Change Process Date: May 17, 2011
Last Data Update: May 17, 2011
Data Source Date: April 05, 2012 - Location
- Address: 570 Lausch Lane, 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) - Financial Summary
- Total assets: $454.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
- Dollar figures in thousands
- 128Total employees (full-time equivalent)
- $445,782Total assets
- $46,447Cash and due from depository institutions
- $38,770Interest-bearing balances
- $35,606Securities
- $0Federal funds sold & reverse repurchase agreements
- $320,536Net loans & leases
- $6,708Loan loss allowance
- $0Trading account assets
- $10,554Bank premises and fixed assets
- $7,518Other real estate owned
- $48Goodwill and other intangibles
- $11,776Life insurance assets
- $25,073All other assets
- $445,782Total liabilities and capital
- $407,263Total liabilities
- $387,559Total deposits
- $319,536Interest-bearing deposits
- $387,559Deposits held in domestic offices
- 93.34%% insured (estimated)
- $0Federal funds purchased & repurchase agreements
- $0Trading liabilities
- $10,834Other borrowed funds
- $6,000Subordinated debt
- $2,870All other liabilities
- $38,519Total equity capital
- $38,519Total bank equity capital
- $38,519Perpetual preferred stock
- $0Common stock
- $750Surplus
- $13,228Undivided profits
- Memoranda
- $24,541Noncurrent loans and leases
- $95,006Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $0Income earned, not collected on loans
- $5,897Earning assets
- $0Long-term assets (5+ years)
- $1,461Average Assets, year-to-date
- $394,912Average Assets, quarterly
- $95,164Volatile liabilities
- $479,873Insider loans
- $456,300FHLB advances
- $58,835Loans and leases held for sale
- $4,904Unused loan commitments
- $10,834Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $0Total risk weighted assets
- $95,006Total unused commitments
- $0Restructured Loans and leases
- $10,698Derivatives
Income and Expense (December 31, 2010)
- Dollar figures in thousands
- $21,609Total interest income
- $7,415Total interest expense
- $14,194Net interest income
- $2,567Provision for loan and lease losses
- $4,656Total noninterest income
- $160Fiduciary activities
- $1,847Service charges on deposit accounts
- $0Trading account gains & fees
- $2,649Additional noninterest income
- $17,842Total noninterest expense
- $7,101Salaries and employee benefits
- $2,523Premises and equipment expense
- $8,218Additional noninterest expense
- -$1,559Pre-tax net operating income
- -$696Securities gains (losses)
- -$974Applicable income taxes
- -$1,281Income before extraordinary items
- $0Extraordinary gains - net
- -$1,281Net income attributable to bank
- $0Net charge-offs
- -$1,281Cash dividends
- $1,717Sale, conversion, retirement of capital stock, net
- $0Net operating income
Performance and Condition Ratios (December 31, 2010)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 5.05%Yield on earning assets
- 1.73%Cost of funding earning assets
- 3.31%Net interest margin
- 1.09%Noninterest income to earning assets
- 4.17%Noninterest expense to earning assets
- -0.17%Net operating income to assets
- -0.27%Return on assets (ROA)
- -0.47%Pretax return on assets
- -3.18%Return on equity (ROE)
- -3.18%Retained earnings to average equity (YTD only)
- 0.52%Net charge-offs to loans
- 149.50%Credit loss provision to net charge-offs
- 0.59%Efficiency ratio
- 94,653Assets per employee
- 3.48%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 0.00%Loss allowance to loans
- 2.05%Loss allowance to noncurrent loans
- 113.75%Noncurrent assets plus other real estate owned to assets
- 3.01%Noncurrent loans to loans
- 1.80%Net loans and leases to deposits
- 82.71%Net loans and leases to core deposits
- 97.51%Equity capital to assets
- 8.64%Core capital (leverage) ratio
- 8.67%Tier 1 risk-based capital ratio
- 10.60%Total risk-based capital ratio
- Memoranda
- $13Average assets
- $479,873Average earning assets
- $40,225Average equity
- $428,286Average loans
Total Fiduciary and Related Assets (December 31, 2010)
- Dollar figures in thousands
- $1Total fiduciary and related assets
- 1Number of Fiduciary Accounts and Related Asset Accounts
- YesFiduciary powers granted
- YesFiduciary or related activity
- $2,108Managed Assets
- 1Number of Accounts
- $2,108Personal trust and agency accounts
- $2,108Employee benefit-defined contribution accounts
- $0Employee benefit-defined benefit accounts
- $0Other retirement accounts
- $0Corporate trust and agency accounts
- $0Investment management agency accounts
- $0Other fiduciary accounts
- $0Fiduciary accounts held in foreign offices
- $0Non-managed Assets
- 3Number of Accounts
- $0Personal trust and agency accounts
- $0Employee benefit-defined contribution accounts
- $0Employee benefit-defined benefit accounts
- $0Other retirement accounts
- $0Corporate trust and agency accounts
- $0Other fiduciary accounts
- $0Fiduciary accounts held in foreign offices
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