FNB Bank, National Association in Danville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

FNB Bank, National Association - Overview

  • General
  • FDIC Certificate #: 7459
    Status: Active
    Federal Reserve ID: 131418
    Bank Holding Company (Regulatory Top Holder): Fulton Financial Corporation (RSSDID: 1117129, Location: Lancaster, PA)
    Date Established: January 25, 1864
    WWW: http://www.fnbbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 12317
    FDIC's unique #: 4847
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 354 Mill Street, Danville, PA 17821
    County: Montour
    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): Bloomsburg-Berwick, PA (#14100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $387.3 mil
    Equity capital: $37.5 mil
    Deposits held in domestic offices: $306.1 mil
    Return on assets (ROA): 1.41% ($5.5 mil)
    Quarterly return on assets: 1.36% ($5.3 mil)
    Return on Equity (ROE): 15.15% ($5.6 mil)
    Quarterly return on equity: 14.09% ($5.2 mil)
    Net income: $5.4 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 2.06% ($7,977.4 mil)
    Quarterly Pretax return on assets: 1.97% ($7,628.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 59Total employees (full-time equivalent)
  • $387,250Total assets
  • $7,206Cash and due from depository institutions
  • $595Interest-bearing balances
  • $79,415Securities
  • $36,783Federal funds sold & reverse repurchase agreements
  • $235,738Net loans & leases
  • $2,725Loan loss allowance
  • $0Trading account assets
  • $1,892Bank premises and fixed assets
  • $147Other real estate owned
  • $4,870Goodwill and other intangibles
  • $387,250Life insurance assets
  • $21,199All other assets
  • $349,797Total liabilities and capital
  • $306,108Total liabilities
  • $248,460Total deposits
  • $306,108Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 4644.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $34,435Trading liabilities
  • $2,500Other borrowed funds
  • $2,110Subordinated debt
  • $37,453All other liabilities
  • $37,453Total equity capital
  • $37,453Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $19,525Surplus
  • $17,428Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $899Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,429Income earned, not collected on loans
  • $0Earning assets
  • $1,492Long-term assets (5+ years)
  • $352,531Average Assets, year-to-date
  • $98,521Average Assets, quarterly
  • $382,858Volatile liabilities
  • $389,311Insider loans
  • $232,150FHLB advances
  • $378,363Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,306Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $64,337Restructured Loans and leases
  • $4,884Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,448Total interest income
  • $3,385Total interest expense
  • $13,063Net interest income
  • $336Provision for loan and lease losses
  • $4,716Total noninterest income
  • $0Fiduciary activities
  • $1,077Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,639Additional noninterest income
  • $9,831Total noninterest expense
  • $2,572Salaries and employee benefits
  • $679Premises and equipment expense
  • $6,580Additional noninterest expense
  • $7,612Pre-tax net operating income
  • $293Securities gains (losses)
  • $2,501Applicable income taxes
  • $5,404Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,404Net income attributable to bank
  • $0Net charge-offs
  • $5,404Cash dividends
  • $286Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.64%Net interest margin
  • 1.31%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 1.36%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 2.06%Pretax return on assets
  • 15.15%Return on equity (ROE)
  • 12.35%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 117.48%Credit loss provision to net charge-offs
  • 27.79%Efficiency ratio
  • 53,856Assets per employee
  • 6.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.50%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 190.69%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.60%Net loans and leases to deposits
  • 77.01%Net loans and leases to core deposits
  • 82.79%Equity capital to assets
  • 9.67%Core capital (leverage) ratio
  • 8.54%Tier 1 risk-based capital ratio
  • 13.92%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $382,858Average earning assets
  • $35,664Average equity
  • $358,788Average loans

List of branches

  • 8 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04847Fnb Bank, National Association354 Mill Street, Danville, PA 17821January 25, 1864Full Service Brick and Mortar
    1215626Mill Street Office Branch512-514 Mill Street, Danville, PA 17821July 01, 1970Full Service Brick and Mortar
    2215627Mahoning Twp Branch1711 Bloom Road, Danville, PA 17821July 16, 1979Full Service Brick and Mortar
    4277086Williamsport Branch1732 East Third Street, Williamsport, PA 17701January 01, 1873Full Service Brick and Mortar
    5277088Mount Carmel Branch21 E State Route 61, Mount Carmel, PA 17851January 01, 1873Full Service Brick and Mortar
    642997Shamokin Branch100 West Independence Street, Shamokin, PA 17872January 01, 1921Full Service Brick and Mortar
    7216660Bloomsburg Branch37-41 West Main Street, Bloomsburg, PA 17815December 17, 1964Full Service Brick and Mortar
    8221557Berwick Branch200 South Poplar Street, Berwick, PA 18603July 17, 1967Full Service Brick and Mortar

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