Somerset Trust Company, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Somerset Trust Company is a community bank serving the people of Somerset County and the greater Johnstown area. The bank provides complete financial services to its customers through a network of branch offices, extensive ATM locations and an award-winning online banking service.

In May 2000, Somerset Trust Holding Company was formed with the bank being its only subsidiary. The bank places an emphasis on delivering superior customer service and improving internal efficiencies especially utilizing technology. The bank continues to expand its branch and ATM network throughout Somerset and Cambria counties building on a reputation as a customer oriented community bank.

Somerset Trust Company
PO Box 777
151 West Main Street
Somerset, PA 15501
(814) 443-9200 (Somerset Area)
(814) 262-4800 (Johnstown Area)
(724) 238-2620 (Ligonier Area)
(814) 839-0070 (Fishertown Area)
(724) 329-7000 (National Pike Area)