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- Banks in Pennsylvania (PA)
- Unitas National Bank
Unitas National Bank in Chambersburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of November 13, 1995
- Unitas National Bank in Chambersburg, Pennsylvania (PA)
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Unitas National Bank - Overview
- General
- FDIC Certificate #: 7534
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Commonwealth Bank (#7468)
Federal Reserve ID: 591816
Date Established: January 01, 1866
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 #: 9897
FDIC's unique #: 4889
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 13, 1995
Last Structure Change Process Date: Febuary 06, 1996
Last Data Update: Febuary 06, 1996
Data Source Date: April 05, 2012 - Location
- Address: 15 South Main Street, Chambersburg, PA 17201
County: Franklin
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
Core Based Statistical Area (CBSA): Chambersburg, PA (#16540)
CBSA Micro Statistical Area: Yes - Financial Summary
- Total assets: $153.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1994)
- Dollar figures in thousands
- 0Total employees (full-time equivalent)
- $103Total assets
- $156,338Cash and due from depository institutions
- $4,769Interest-bearing balances
- $710Securities
- $19,183Federal funds sold & reverse repurchase agreements
- $0Net loans & leases
- $127,763Loan loss allowance
- $1,450Trading account assets
- $0Bank premises and fixed assets
- $2,420Other real estate owned
- $758Goodwill and other intangibles
- $1,445Life insurance assets
- $0All other assets
- $0Total liabilities and capital
- $156,338Total liabilities
- $143,866Total deposits
- $136,342Interest-bearing deposits
- $126,124Deposits held in domestic offices
- 136342.00%% insured (estimated)
- $88Federal funds purchased & repurchase agreements
- $1,927Trading liabilities
- $0Other borrowed funds
- $3,025Subordinated debt
- $0All other liabilities
- $2,572Total equity capital
- $2,572Total bank equity capital
- $12,472Perpetual preferred stock
- $0Common stock
- $2,114Surplus
- $2,114Undivided profits
- Memoranda
- $8,244Noncurrent loans and leases
- $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $1,630Income earned, not collected on loans
- $353Earning assets
- $147,656Long-term assets (5+ years)
- $25,646Average Assets, year-to-date
- $149,839Average Assets, quarterly
- $153,973Volatile liabilities
- $14,166Insider loans
- $1,550FHLB advances
- $0Loans and leases held for sale
- $0Unused loan commitments
- $3,616Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $12,764Total risk weighted assets
- $124,706Total unused commitments
- $0Restructured Loans and leases
- $0Derivatives
Income and Expense (December 31, 1994)
- Dollar figures in thousands
- $0Total interest income
- $11,813Total interest expense
- $4,282Net interest income
- $7,531Provision for loan and lease losses
- $371Total noninterest income
- $593Fiduciary activities
- $107Service charges on deposit accounts
- $310Trading account gains & fees
- $0Additional noninterest income
- $176Total noninterest expense
- $5,372Salaries and employee benefits
- $2,896Premises and equipment expense
- $741Additional noninterest expense
- $1,735Pre-tax net operating income
- $2,381Securities gains (losses)
- $18Applicable income taxes
- $813Income before extraordinary items
- $1,586Extraordinary gains - net
- $0Net income attributable to bank
- $1,586Net charge-offs
- $110Cash dividends
- $1,032Sale, conversion, retirement of capital stock, net
- $0Net operating income
Performance and Condition Ratios (December 31, 1994)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 0.00%Yield on earning assets
- 8.38%Cost of funding earning assets
- 3.04%Net interest margin
- 5.34%Noninterest income to earning assets
- 0.42%Noninterest expense to earning assets
- 3.81%Net operating income to assets
- 1.05%Return on assets (ROA)
- 1.06%Pretax return on assets
- 1.60%Return on equity (ROE)
- 12.83%Retained earnings to average equity (YTD only)
- 4.48%Net charge-offs to loans
- 0.09%Credit loss provision to net charge-offs
- 337.27%Efficiency ratio
- 66,125Assets per employee
- 1.52%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 65.07%Loss allowance to loans
- 1.12%Loss allowance to noncurrent loans
- 88.96%Noncurrent assets plus other real estate owned to assets
- 1.41%Noncurrent loans to loans
- 1.26%Net loans and leases to deposits
- 93.71%Net loans and leases to core deposits
- 100.50%Equity capital to assets
- 7.98%Core capital (leverage) ratio
- 8.25%Tier 1 risk-based capital ratio
- 10.24%Total risk-based capital ratio
- Memoranda
- $11Average assets
- $149,839Average earning assets
- $12,366Average equity
- $140,910Average loans
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- Banks in Pennsylvania (PA)
- Unitas National Bank
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