Farmers and Merchants Bank of Western Pennsylvania, National Association in Kittanning, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Farmers and Merchants Bank of Western Pennsylvania, National Association in Kittanning, Pennsylvania (PA)
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Farmers and Merchants Bank of Western Pennsylvania, National Association - Overview

  • General
  • FDIC Certificate #: 7900
    Status: Active
    Federal Reserve ID: 18827
    Bank Holding Company (Regulatory Top Holder): Farmers & Merchants Bancorp Of Western Pennsylvania, Inc. (RSSDID: 2264404, Location: Kittanning, PA)
    Date Established: January 01, 1897
    WWW: http://www.fmbwpa.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 9637
    FDIC's unique #: 5064
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 01, 2008
    Last Structure Change Process Date: April 15, 2008
    Last Data Update: April 15, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 222 Market Street, Kittanning, PA 16201
    County: Armstrong
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Wexford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430)
    Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300)
    CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Name Change
  • Financial Summary
  • Total assets: $388.2 mil
    Equity capital: $39.2 mil
    Deposits held in domestic offices: $347.7 mil
    Return on assets (ROA): 0.93% ($3.6 mil)
    Quarterly return on assets: 1.03% ($4.0 mil)
    Return on Equity (ROE): 9.21% ($3.6 mil)
    Quarterly return on equity: 10.23% ($4.0 mil)
    Net income: $3.6 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.18% ($4,580.7 mil)
    Quarterly Pretax return on assets: 1.15% ($4,464.3 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
  • 85Total employees (full-time equivalent)
  • $388,197Total assets
  • $19,232Cash and due from depository institutions
  • $13,267Interest-bearing balances
  • $53,663Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $301,151Net loans & leases
  • $4,664Loan loss allowance
  • $0Trading account assets
  • $3,788Bank premises and fixed assets
  • $2,099Other real estate owned
  • $1,177Goodwill and other intangibles
  • $388,197Life insurance assets
  • $7,087All other assets
  • $348,982Total liabilities and capital
  • $347,661Total liabilities
  • $293,309Total deposits
  • $347,661Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,321Subordinated debt
  • $39,215All other liabilities
  • $39,215Total equity capital
  • $39,215Total bank equity capital
  • $0Perpetual preferred stock
  • $528Common stock
  • $7,248Surplus
  • $31,439Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,879Income earned, not collected on loans
  • $0Earning assets
  • $1,319Long-term assets (5+ years)
  • $368,081Average Assets, year-to-date
  • $205,270Average Assets, quarterly
  • $392,745Volatile liabilities
  • $390,590Insider loans
  • $273,747FHLB advances
  • $387,074Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $38,088Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,030Restructured Loans and leases
  • $4,389Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,245Total interest income
  • $2,969Total interest expense
  • $13,276Net interest income
  • $1,461Provision for loan and lease losses
  • $1,628Total noninterest income
  • $0Fiduciary activities
  • $634Service charges on deposit accounts
  • $43Trading account gains & fees
  • $951Additional noninterest income
  • $8,858Total noninterest expense
  • $4,036Salaries and employee benefits
  • $1,553Premises and equipment expense
  • $3,269Additional noninterest expense
  • $4,585Pre-tax net operating income
  • $43Securities gains (losses)
  • $986Applicable income taxes
  • $3,642Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,642Net income attributable to bank
  • $0Net charge-offs
  • $3,642Cash dividends
  • $1,022Sale, conversion, retirement of capital stock, net
  • $2,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.34%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 9.21%Return on equity (ROE)
  • 3.14%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 142.95%Credit loss provision to net charge-offs
  • 5.92%Efficiency ratio
  • 57,065Assets per employee
  • 4.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.90%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 52.53%Noncurrent assets plus other real estate owned to assets
  • 2.83%Noncurrent loans to loans
  • 2.90%Net loans and leases to deposits
  • 86.62%Net loans and leases to core deposits
  • 89.32%Equity capital to assets
  • 10.10%Core capital (leverage) ratio
  • 9.84%Tier 1 risk-based capital ratio
  • 13.91%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $392,745Average earning assets
  • $39,534Average equity
  • $374,034Average loans

List of branches

  • 7 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05064Farmers And Merchants Bank Of Western Pennsylvania, National Association222 Market Street, Kittanning, PA 16201January 01, 1897Full Service Brick and Mortar
    1216943Worthington Branch15104 Us Rt 422, Worthington, PA 16262April 04, 1967Full Service Brick and Mortar
    2216944Highlands-West Branch316 First Avenue Suite 101, West Kittanning, PA 16201April 15, 1970Full Service Brick and Mortar
    3216945422 East Branch105 Burton Dr, Kittanning, PA 16201September 27, 1978Full Service Brick and Mortar
    6216942Butler Branch409 Butler Road, Kittanning, PA 16201October 13, 1998Full Service Brick and Mortar
    7262768Hilltop Plaza Branch4 Hilltop Plaza, Kittanning, PA 16201January 01, 1910Full Service Brick and Mortar
    8479631Leechburg Office Branch160 Market Street, Leechburg, PA 15656May 12, 2008Full Service Brick and Mortar

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