First Citizens National Bank in Mansfield, Pennsylvania (PA), NY



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First Citizens National Bank
GeneralFDIC Certificate #: 7593
Status: Active
Federal Reserve ID: 978118
Bank Holding Company (Regulatory Top Holder): Citizens Financial Services, Inc. (RSSDID: 1118368, Location: Mansfield, PA)
Date Established: June 11, 1932
WWW: http://www.firstcitizensbank.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: 17 (Domestic: 17, Interstate: Yes)
OTS Docket #: 9836
FDIC's unique #: 4925
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 21, 2008
Last Structure Change Process Date: December 23, 2008
Last Data Update: December 23, 2008
Data Source Date: April 05, 2012
LocationAddress: 15 South Main Street, Mansfield, PA 16933
County: Tioga
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
History of ChangesOffice Purchased
Financial SummaryTotal assets: $877.2 mil
Equity capital: $84.1 mil
Deposits held in domestic offices: $737.6 mil
Return on assets (ROA): 1.57% ($13.8 mil)
Quarterly return on assets: 1.67% ($14.6 mil)
Return on Equity (ROE): 17.19% ($14.4 mil)
Quarterly return on equity: 17.45% ($14.7 mil)
Net income: $13.3 mil
Quarterly Net income: $3.6 mil
Pretax return on assets: 2.03% ($17,806.7 mil)
Quarterly Pretax return on assets: 2.17% ($19,034.8 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)
Total employees (full-time equivalent)176
Total assets$877,178
Cash and due from depository institutions$30,431
Interest-bearing balances$26,834
Securities$317,669
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$481,022
Loan loss allowance $6,487
Trading account assets$0
Bank premises and fixed assets$11,702
Other real estate owned$860
Goodwill and other intangibles$10,575
All other assets$24,919
Life insurance assets$877,178
Total liabilities and capital$793,042
Total liabilities$737,602
Total deposits$648,388
Interest-bearing deposits$737,602
Deposits held in domestic offices$80
% insured (estimated)11382.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$35,000
Other borrowed funds $0
Subordinated debt $9,058
All other liabilities $84,136
Total equity capital$84,136
Total bank equity capital$84,136
Perpetual preferred stock$0
Common stock$906
Surplus$6,236
Undivided profits $76,994
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $9,440
Earning assets $1,476
Long-term assets (5+ years) $3,621
Average Assets, year-to-date $825,525
Average Assets, quarterly $383,082
Volatile liabilities $847,269
Insider loans $867,534
FHLB advances $504,077
Loans and leases held for sale $854,593
Unused loan commitments $13,669
Tier 1 (core) risk-based capital $13,669
Tier 2 risk-based capital $70,729
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $101,458
Derivatives$3,183
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $38,251
Total interest expense $9,238
Net interest income $29,013
Provision for loan and lease losses $675
Total noninterest income $6,546
Fiduciary activities $665
Service charges on deposit accounts $4,316
Trading account gains & fees $0
Additional noninterest income $1,565
Total noninterest expense $18,055
Salaries and employee benefits $9,996
Premises and equipment expense $1,780
Additional noninterest expense $6,279
Pre-tax net operating income $16,829
Securities gains (losses) $372
Applicable income taxes $3,885
Income before extraordinary items $13,316
Extraordinary gains - net $0
Net income attributable to bank $13,316
Net charge-offs $0
Cash dividends $13,316
Sale, conversion, retirement of capital stock, net $103
Net operating income $3,823
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.82%
Cost of funding earning assets 1.16%
Net interest margin 3.66%
Noninterest income to earning assets 0.82%
Noninterest expense to earning assets 2.28%
Net operating income to assets 1.54%
Return on assets (ROA) 1.57%
Pretax return on assets 2.03%
Return on equity (ROE) 17.19%
Retained earnings to average equity (YTD only) 12.25%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 655.34%
Efficiency ratio169.94%
Assets per employee$50,727
Cash dividends to net income (YTD only)4.98%
Condition Ratios (%)
Loss allowance to loans 28.71%
Loss allowance to noncurrent loans 1.33%
Noncurrent assets plus other real estate owned to assets 68.72%
Noncurrent loans to loans 1.17%
Net loans and leases to deposits1.94%
Net loans and leases to core deposits 65.21%
Equity capital to assets 70.18%
Core capital (leverage) ratio 9.59%
Tier 1 risk-based capital ratio 8.28%
Total risk-based capital ratio 14.03%
Memoranda
Average assets$15
Average earning assets$847,269
Average equity $77,486
Average loans $793,459
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$91,778
Number of Accounts1
Personal trust and agency accounts$78,199
Employee benefit-defined contribution accounts$27,615
Employee benefit-defined benefit accounts$0
Other retirement accounts$7,455
Corporate trust and agency accounts$12,858
Investment management agency accounts$0
Other fiduciary accounts$30,271
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts273
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$12,858
Employee benefit-defined benefit accounts$0
Other retirement accounts$13,579
Corporate trust and agency accounts$517
Other fiduciary accounts$10,584
Fiduciary accounts held in foreign offices$2,126
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1 New York Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
19236253Wellsville Branch10 South Main Street, Wellsville, NY 14895March 26, 1998Full Service Brick and Mortar
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16 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04925First Citizens National Bank15 South Main Street, Mansfield, PA 16933June 11, 1932Full Service Brick and Mortar
14829Blossburg Branch300 Main Street, Blossburg, PA 16912October 04, 1929Full Service Brick and Mortar
25024Ulysses Branch502 Main Street, Ulysses, PA 16948June 07, 1907Full Service Brick and Mortar
3216601Genesee Branch391 Main Street, Genesee, PA 16923Febuary 01, 1967Full Service Brick and Mortar
443406Sayre Branch306 West Lockhart Street, Sayre, PA 18840January 01, 1899Full Service Brick and Mortar
7216594Gillett Branch33178 Route 14, Gillett, PA 16925August 08, 1970Full Service Brick and Mortar
8216596Canton Branch29 West Main Street, Canton, PA 17724April 30, 1973Full Service Brick and Mortar
9216080Weis Market Banking Center Branch201 Weis Plaza, Wellsboro, PA 16901October 31, 1996Full Service Retail
12216147Le Raysville Branch960 Main Street, Le Raysville, PA 18829January 17, 1963Full Service Brick and Mortar
135020Troy Branch1133 West Main Street, Troy, PA 16947Febuary 02, 1895Full Service Brick and Mortar
14216595State Line Branch7352 Route 328, Millerton, PA 16936November 02, 1970Full Service Brick and Mortar
15216597Towanda Branch111-113 Main Street, Towanda, PA 18848March 18, 1974Full Service Brick and Mortar
16361103Wal-Mart Banking Center Branch2 Wal-Mart Plaza, Mansfield, PA 16933August 16, 2000Full Service Retail
18358998Sayre Branch1778 Elmira Street, Sayre, PA 18840November 06, 2000Full Service Brick and Mortar
21511947Wellsboro Branch1 Pearl Street, Wellsboro, PA 16901August 02, 2010Full Service Brick and Mortar
22521470Rome BranchP O Box 207, Rome, PA 18837January 18, 2011Full Service Brick and Mortar
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