United Valley Bank in Philadelphia, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 21, 1997

  • United Valley Bank in Philadelphia, Pennsylvania (PA)
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United Valley Bank - Overview

  • General
  • FDIC Certificate #: 27168
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Jefferson Bank (#21800)
    Federal Reserve ID: 1164431
    Date Established: Febuary 04, 1988
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    OTS Docket #: 9277
    FDIC's unique #: 39001
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: Febuary 04, 1988
    Last Structure Change Effective Date: January 21, 1997
    Last Structure Change Process Date: January 29, 1997
    Last Data Update: January 29, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 1601 Market Street, Philadelphia, PA 19103
    County: Philadelphia
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • Financial Summary
  • Total assets: $122.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $32Total assets
  • $122,095Cash and due from depository institutions
  • $8,012Interest-bearing balances
  • $3,951Securities
  • $15,789Federal funds sold & reverse repurchase agreements
  • $8,000Net loans & leases
  • $87,693Loan loss allowance
  • $2,875Trading account assets
  • $0Bank premises and fixed assets
  • $254Other real estate owned
  • $444Goodwill and other intangibles
  • $1,903Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $122,095Total liabilities
  • $111,109Total deposits
  • $104,650Interest-bearing deposits
  • $90,621Deposits held in domestic offices
  • 104650.00%% insured (estimated)
  • $81Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,750Subordinated debt
  • $0All other liabilities
  • $2,709Total equity capital
  • $2,709Total bank equity capital
  • $10,986Perpetual preferred stock
  • $0Common stock
  • $5,180Surplus
  • $5,737Undivided profits
  • Memoranda
  • $69Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,581Income earned, not collected on loans
  • $574Earning assets
  • $115,433Long-term assets (5+ years)
  • $3,294Average Assets, year-to-date
  • $126,286Average Assets, quarterly
  • $122,205Volatile liabilities
  • $10,845Insider loans
  • $2,090FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $18,703Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $11,002Total risk weighted assets
  • $93,306Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $10,532Total interest expense
  • $5,035Net interest income
  • $5,497Provision for loan and lease losses
  • $2,041Total noninterest income
  • $280Fiduciary activities
  • $0Service charges on deposit accounts
  • $170Trading account gains & fees
  • $0Additional noninterest income
  • $110Total noninterest expense
  • $5,424Salaries and employee benefits
  • $2,711Premises and equipment expense
  • $724Additional noninterest expense
  • $1,989Pre-tax net operating income
  • -$1,688Securities gains (losses)
  • $0Applicable income taxes
  • -$533Income before extraordinary items
  • -$1,155Extraordinary gains - net
  • $0Net income attributable to bank
  • -$1,155Net charge-offs
  • $125Cash dividends
  • $132Sale, conversion, retirement of capital stock, net
  • $582Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.85%Cost of funding earning assets
  • 4.23%Net interest margin
  • 4.62%Noninterest income to earning assets
  • 0.24%Noninterest expense to earning assets
  • 4.56%Net operating income to assets
  • -0.91%Return on assets (ROA)
  • -0.91%Pretax return on assets
  • -1.34%Return on equity (ROE)
  • -9.60%Retained earnings to average equity (YTD only)
  • -10.69%Net charge-offs to loans
  • 0.13%Credit loss provision to net charge-offs
  • 1632.80%Efficiency ratio
  • 93,890Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -11.43%Loss allowance to loans
  • 3.17%Loss allowance to noncurrent loans
  • 181.85%Noncurrent assets plus other real estate owned to assets
  • 1.66%Noncurrent loans to loans
  • 1.75%Net loans and leases to deposits
  • 83.80%Net loans and leases to core deposits
  • 91.77%Equity capital to assets
  • 9.00%Core capital (leverage) ratio
  • 8.72%Tier 1 risk-based capital ratio
  • 11.79%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $126,286Average earning assets
  • $12,036Average equity
  • $119,024Average loans

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