Union National Community Bank in Lancaster, Pennsylvania (PA)



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Union National Community Bank routing number info

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Union National Community Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)128
Total assets$445,782
Cash and due from depository institutions$46,447
Interest-bearing balances$38,770
Securities$35,606
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$320,536
Loan loss allowance $6,708
Trading account assets$0
Bank premises and fixed assets$10,554
Other real estate owned$7,518
Goodwill and other intangibles$48
All other assets$25,073
Life insurance assets$11,776
Total liabilities and capital$445,782
Total liabilities$407,263
Total deposits$387,559
Interest-bearing deposits$319,536
Deposits held in domestic offices$387,559
% insured (estimated)93.34%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $10,834
Subordinated debt $6,000
All other liabilities $2,870
Total equity capital$38,519
Total bank equity capital$38,519
Perpetual preferred stock$38,519
Common stock$0
Surplus$750
Undivided profits $13,228
Memoranda
Noncurrent loans and leases $24,541
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $95,006
Income earned, not collected on loans $0
Earning assets $5,897
Long-term assets (5+ years) $0
Average Assets, year-to-date $1,461
Average Assets, quarterly $394,912
Volatile liabilities $95,164
Insider loans $479,873
FHLB advances $456,300
Loans and leases held for sale $58,835
Unused loan commitments $4,904
Tier 1 (core) risk-based capital $10,834
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $95,006
Restructured Loans and leases $0
Derivatives$10,698
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Income and Expense (December 31, 2010)
(Dollar figures in thousands)
Total interest income $21,609
Total interest expense $7,415
Net interest income $14,194
Provision for loan and lease losses $2,567
Total noninterest income $4,656
Fiduciary activities $160
Service charges on deposit accounts $1,847
Trading account gains & fees $0
Additional noninterest income $2,649
Total noninterest expense $17,842
Salaries and employee benefits $7,101
Premises and equipment expense $2,523
Additional noninterest expense $8,218
Pre-tax net operating income -$1,559
Securities gains (losses) -$696
Applicable income taxes -$974
Income before extraordinary items -$1,281
Extraordinary gains - net $0
Net income attributable to bank -$1,281
Net charge-offs $0
Cash dividends -$1,281
Sale, conversion, retirement of capital stock, net $1,717
Net operating income $0
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Performance and Condition Ratios (December 31, 2010)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.05%
Cost of funding earning assets 1.73%
Net interest margin 3.31%
Noninterest income to earning assets 1.09%
Noninterest expense to earning assets 4.17%
Net operating income to assets -0.17%
Return on assets (ROA) -0.27%
Pretax return on assets -0.47%
Return on equity (ROE) -3.18%
Retained earnings to average equity (YTD only) -3.18%
Net charge-offs to loans 0.52%
Credit loss provision to net charge-offs 149.50%
Efficiency ratio0.59%
Assets per employee$94,653
Cash dividends to net income (YTD only)3.48%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.05%
Noncurrent assets plus other real estate owned to assets 113.75%
Noncurrent loans to loans 3.01%
Net loans and leases to deposits1.80%
Net loans and leases to core deposits 82.71%
Equity capital to assets 97.51%
Core capital (leverage) ratio 8.64%
Tier 1 risk-based capital ratio 8.67%
Total risk-based capital ratio 10.60%
Memoranda
Average assets$13
Average earning assets$479,873
Average equity $40,225
Average loans $428,286
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Total Fiduciary and Related Assets (December 31, 2010)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$2,108
Number of Accounts1
Personal trust and agency accounts$2,108
Employee benefit-defined contribution accounts$2,108
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts3
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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