First Citizens National Bank in city_name, state_name - Detailed Financial Reports, Location

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

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
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
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

No	ID	Name	Address	Established	Service Type	Map
19	236253	Wellsville Branch	10 South Main Street, Wellsville, NY 14895	March 26, 1998	Full Service Brick and Mortar

16 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	4925	First Citizens National Bank	15 South Main Street, Mansfield, PA 16933	June 11, 1932	Full Service Brick and Mortar
1	4829	Blossburg Branch	300 Main Street, Blossburg, PA 16912	October 04, 1929	Full Service Brick and Mortar
2	5024	Ulysses Branch	502 Main Street, Ulysses, PA 16948	June 07, 1907	Full Service Brick and Mortar
3	216601	Genesee Branch	391 Main Street, Genesee, PA 16923	Febuary 01, 1967	Full Service Brick and Mortar
4	43406	Sayre Branch	306 West Lockhart Street, Sayre, PA 18840	January 01, 1899	Full Service Brick and Mortar
7	216594	Gillett Branch	33178 Route 14, Gillett, PA 16925	August 08, 1970	Full Service Brick and Mortar
8	216596	Canton Branch	29 West Main Street, Canton, PA 17724	April 30, 1973	Full Service Brick and Mortar
9	216080	Weis Market Banking Center Branch	201 Weis Plaza, Wellsboro, PA 16901	October 31, 1996	Full Service Retail
12	216147	Le Raysville Branch	960 Main Street, Le Raysville, PA 18829	January 17, 1963	Full Service Brick and Mortar
13	5020	Troy Branch	1133 West Main Street, Troy, PA 16947	Febuary 02, 1895	Full Service Brick and Mortar
14	216595	State Line Branch	7352 Route 328, Millerton, PA 16936	November 02, 1970	Full Service Brick and Mortar
15	216597	Towanda Branch	111-113 Main Street, Towanda, PA 18848	March 18, 1974	Full Service Brick and Mortar
16	361103	Wal-Mart Banking Center Branch	2 Wal-Mart Plaza, Mansfield, PA 16933	August 16, 2000	Full Service Retail
18	358998	Sayre Branch	1778 Elmira Street, Sayre, PA 18840	November 06, 2000	Full Service Brick and Mortar
21	511947	Wellsboro Branch	1 Pearl Street, Wellsboro, PA 16901	August 02, 2010	Full Service Brick and Mortar
22	521470	Rome Branch	P O Box 207, Rome, PA 18837	January 18, 2011	Full Service Brick and Mortar

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

First Citizens National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First Citizens National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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