Valley Bank and Trust Company in Chambersburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1994

  • Valley Bank and Trust Company in Chambersburg, Pennsylvania (PA)
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Valley Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 7432
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Dauphin Deposit Bank and Trust Company (#695)
    Federal Reserve ID: 355616
    Date Established: September 04, 1909
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 15 (Interstate: No)
    OTS Docket #: 10954
    FDIC's unique #: 4838
    Numeric code: 21
    Regulator: FDIC
    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: January 01, 1934
    Last Structure Change Effective Date: January 01, 1994
    Last Structure Change Process Date: January 26, 1994
    Last Data Update: January 26, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 55 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: $319.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $177Total assets
  • $319,815Cash and due from depository institutions
  • $15,952Interest-bearing balances
  • $8,029Securities
  • $79,783Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $217,109Loan loss allowance
  • $3,073Trading account assets
  • $0Bank premises and fixed assets
  • $4,655Other real estate owned
  • $59Goodwill and other intangibles
  • $2,257Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $319,815Total liabilities
  • $287,912Total deposits
  • $285,337Interest-bearing deposits
  • $255,685Deposits held in domestic offices
  • 285337.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $935Subordinated debt
  • $0All other liabilities
  • $1,640Total equity capital
  • $1,640Total bank equity capital
  • $31,903Perpetual preferred stock
  • $0Common stock
  • $6,182Surplus
  • $8,954Undivided profits
  • Memoranda
  • $16,767Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,652Income earned, not collected on loans
  • $751Earning assets
  • $304,921Long-term assets (5+ years)
  • $73,161Average Assets, year-to-date
  • $323,828Average Assets, quarterly
  • $320,943Volatile liabilities
  • $13,597Insider loans
  • $7,805FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $44,377Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $31,903Total risk weighted assets
  • $212,926Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $23,504Total interest expense
  • $9,408Net interest income
  • $14,096Provision for loan and lease losses
  • $776Total noninterest income
  • $1,841Fiduciary activities
  • $920Service charges on deposit accounts
  • $648Trading account gains & fees
  • $0Additional noninterest income
  • $273Total noninterest expense
  • $10,254Salaries and employee benefits
  • $5,389Premises and equipment expense
  • $1,084Additional noninterest expense
  • $3,781Pre-tax net operating income
  • $4,907Securities gains (losses)
  • $11Applicable income taxes
  • $1,527Income before extraordinary items
  • $3,391Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,391Net charge-offs
  • $306Cash dividends
  • $1,533Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.70%Cost of funding earning assets
  • 3.08%Net interest margin
  • 4.62%Noninterest income to earning assets
  • 0.60%Noninterest expense to earning assets
  • 3.36%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 1.52%Return on equity (ROE)
  • 10.88%Retained earnings to average equity (YTD only)
  • 5.96%Net charge-offs to loans
  • 0.14%Credit loss provision to net charge-offs
  • 253.59%Efficiency ratio
  • 64,341Assets per employee
  • 1.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.21%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 115.87%Noncurrent assets plus other real estate owned to assets
  • 0.85%Noncurrent loans to loans
  • 1.20%Net loans and leases to deposits
  • 76.09%Net loans and leases to core deposits
  • 79.62%Equity capital to assets
  • 9.98%Core capital (leverage) ratio
  • 9.60%Tier 1 risk-based capital ratio
  • 14.98%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $323,828Average earning assets
  • $31,162Average equity
  • $305,063Average loans

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