First Citizens National Bank in Mansfield, Pennsylvania (PA), NY
Overview, Financial Summary, Detailed Financial Reports, Branches

First Citizens National Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 176Total employees (full-time equivalent)
  • $877,178Total assets
  • $30,431Cash and due from depository institutions
  • $26,834Interest-bearing balances
  • $317,669Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $481,022Net loans & leases
  • $6,487Loan loss allowance
  • $0Trading account assets
  • $11,702Bank premises and fixed assets
  • $860Other real estate owned
  • $10,575Goodwill and other intangibles
  • $877,178Life insurance assets
  • $24,919All other assets
  • $793,042Total liabilities and capital
  • $737,602Total liabilities
  • $648,388Total deposits
  • $737,602Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 11382.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $35,000Trading liabilities
  • $0Other borrowed funds
  • $9,058Subordinated debt
  • $84,136All other liabilities
  • $84,136Total equity capital
  • $84,136Total bank equity capital
  • $0Perpetual preferred stock
  • $906Common stock
  • $6,236Surplus
  • $76,994Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,440Income earned, not collected on loans
  • $1,476Earning assets
  • $3,621Long-term assets (5+ years)
  • $825,525Average Assets, year-to-date
  • $383,082Average Assets, quarterly
  • $847,269Volatile liabilities
  • $867,534Insider loans
  • $504,077FHLB advances
  • $854,593Loans and leases held for sale
  • $13,669Unused loan commitments
  • $13,669Tier 1 (core) risk-based capital
  • $70,729Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $101,458Restructured Loans and leases
  • $3,183Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $38,251Total interest income
  • $9,238Total interest expense
  • $29,013Net interest income
  • $675Provision for loan and lease losses
  • $6,546Total noninterest income
  • $665Fiduciary activities
  • $4,316Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,565Additional noninterest income
  • $18,055Total noninterest expense
  • $9,996Salaries and employee benefits
  • $1,780Premises and equipment expense
  • $6,279Additional noninterest expense
  • $16,829Pre-tax net operating income
  • $372Securities gains (losses)
  • $3,885Applicable income taxes
  • $13,316Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,316Net income attributable to bank
  • $0Net charge-offs
  • $13,316Cash dividends
  • $103Sale, conversion, retirement of capital stock, net
  • $3,823Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 3.66%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.28%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.57%Return on assets (ROA)
  • 2.03%Pretax return on assets
  • 17.19%Return on equity (ROE)
  • 12.25%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 655.34%Credit loss provision to net charge-offs
  • 169.94%Efficiency ratio
  • 50,727Assets per employee
  • 4.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.71%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 68.72%Noncurrent assets plus other real estate owned to assets
  • 1.17%Noncurrent loans to loans
  • 1.94%Net loans and leases to deposits
  • 65.21%Net loans and leases to core deposits
  • 70.18%Equity capital to assets
  • 9.59%Core capital (leverage) ratio
  • 8.28%Tier 1 risk-based capital ratio
  • 14.03%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $847,269Average earning assets
  • $77,486Average equity
  • $793,459Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $91,778Managed Assets
  • 1Number of Accounts
  • $78,199Personal trust and agency accounts
  • $27,615Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $7,455Other retirement accounts
  • $12,858Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $30,271Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 273Number of Accounts
  • $0Personal trust and agency accounts
  • $12,858Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $13,579Other retirement accounts
  • $517Corporate trust and agency accounts
  • $10,584Other fiduciary accounts
  • $2,126Fiduciary accounts held in foreign offices

List of branches

  • 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
  • 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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