York Traditions Bank in York, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


York Traditions Bank - Overview

  • General
  • FDIC Certificate #: 57377
    Status: Active
    Federal Reserve ID: 3145797
    Date Established: October 28, 2002
    WWW: http://www.yorktraditionsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 362827
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 28, 2002
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 235 St. Charles Way, York, PA 17402
    County: York
    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): York, PA (#9280)
    Combined Statistical Area (CSA): York-Hanover-Gettysburg, PA (#564)
    Core Based Statistical Area (CBSA): York-Hanover, PA (#49620)
    CBSA Metro Statistical Area: York-Hanover, PA (#49620)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $252.1 mil
    Equity capital: $26.3 mil
    Deposits held in domestic offices: $215.3 mil
    Return on assets (ROA): 0.66% ($1.7 mil)
    Quarterly return on assets: 0.60% ($1.5 mil)
    Return on Equity (ROE): 6.34% ($1.6 mil)
    Quarterly return on equity: 5.69% ($1.5 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.97% ($2,445.0 mil)
    Quarterly Pretax return on assets: 0.87% ($2,192.9 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, 2011)

  • Dollar figures in thousands
  • 64Total employees (full-time equivalent)
  • $252,058Total assets
  • $3,317Cash and due from depository institutions
  • $263Interest-bearing balances
  • $32,799Securities
  • $4,229Federal funds sold & reverse repurchase agreements
  • $199,987Net loans & leases
  • $2,279Loan loss allowance
  • $0Trading account assets
  • $3,103Bank premises and fixed assets
  • $571Other real estate owned
  • $0Goodwill and other intangibles
  • $252,058Life insurance assets
  • $8,052All other assets
  • $225,802Total liabilities and capital
  • $215,350Total liabilities
  • $200,852Total deposits
  • $215,350Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,500Trading liabilities
  • $0Other borrowed funds
  • $952Subordinated debt
  • $26,256All other liabilities
  • $26,256Total equity capital
  • $26,256Total bank equity capital
  • $5,115Perpetual preferred stock
  • $2,064Common stock
  • $17,458Surplus
  • $1,619Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $6,022Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $69Income earned, not collected on loans
  • $0Earning assets
  • $689Long-term assets (5+ years)
  • $237,278Average Assets, year-to-date
  • $51,951Average Assets, quarterly
  • $244,150Volatile liabilities
  • $249,252Insider loans
  • $208,238FHLB advances
  • $246,848Loans and leases held for sale
  • $4,001Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,445Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,001Total unused commitments
  • $48,111Restructured Loans and leases
  • $5,086Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,704Total interest income
  • $3,277Total interest expense
  • $8,427Net interest income
  • $334Provision for loan and lease losses
  • $1,945Total noninterest income
  • $0Fiduciary activities
  • $209Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,736Additional noninterest income
  • $7,684Total noninterest expense
  • $4,326Salaries and employee benefits
  • $1,065Premises and equipment expense
  • $2,293Additional noninterest expense
  • $2,354Pre-tax net operating income
  • $8Securities gains (losses)
  • $754Applicable income taxes
  • $1,608Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,608Net income attributable to bank
  • $0Net charge-offs
  • $1,608Cash dividends
  • -$11Sale, conversion, retirement of capital stock, net
  • $295Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 6.34%Return on equity (ROE)
  • 5.17%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -3036.36%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 74,084Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.35%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 3302.90%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 92.87%Net loans and leases to core deposits
  • 97.00%Equity capital to assets
  • 10.42%Core capital (leverage) ratio
  • 10.31%Tier 1 risk-based capital ratio
  • 12.22%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $244,150Average earning assets
  • $25,375Average equity
  • $232,810Average loans

List of branches

  • 5 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0362827York Traditions Bank235 St. Charles Way, York, PA 17402October 28, 2002Full Service Brick and Mortar
    1418469York Branch235 St Charles Way, York, PA 17402March 03, 2003Limited Service Messenger
    24452222450 Eastern Boulevard2450 Eastern Boulevard, York, PA 17402October 03, 2005Full Service Brick and Mortar
    3465729Susquehanna Trail Office Branch2305 Susquehanna Trail, York, PA 17404July 05, 2006Full Service Brick and Mortar
    4512623White Street Branch2170 White Street, York, PA 17404September 13, 2010Full Service Brick and Mortar

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