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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