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 - 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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