First National Bank and Trust Company of Newtown in Newtown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First National Bank and Trust Company of Newtown in Newtown, Pennsylvania (PA)
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First National Bank and Trust Company of Newtown - Overview

  • General
  • FDIC Certificate #: 7658
    Status: Active
    Federal Reserve ID: 1007417
    Bank Holding Company (Regulatory Top Holder): Fnb Bancorp, Inc. (RSSDID: 1117491, Location: Newtown, PA)
    Date Established: Febuary 25, 1864
    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: No)
    FDIC's unique #: 4960
    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: 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: 40 South State Street, Newtown, PA 18940
    County: Bucks
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $785.0 mil
    Equity capital: $80.5 mil
    Deposits held in domestic offices: $683.1 mil
    Return on assets (ROA): 0.79% ($6.2 mil)
    Quarterly return on assets: 0.95% ($7.5 mil)
    Return on Equity (ROE): 7.67% ($6.2 mil)
    Quarterly return on equity: 9.21% ($7.5 mil)
    Net income: $6.0 mil
    Quarterly Net income: $1.9 mil
    Pretax return on assets: 1.01% ($7,928.7 mil)
    Quarterly Pretax return on assets: 1.27% ($9,969.7 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
  • 168Total employees (full-time equivalent)
  • $785,017Total assets
  • $61,498Cash and due from depository institutions
  • $46,756Interest-bearing balances
  • $330,997Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $355,042Net loans & leases
  • $7,367Loan loss allowance
  • $0Trading account assets
  • $9,730Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $785,017Life insurance assets
  • $27,750All other assets
  • $704,506Total liabilities and capital
  • $683,094Total liabilities
  • $437,634Total deposits
  • $683,094Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 14037.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $7,375Subordinated debt
  • $80,511All other liabilities
  • $80,511Total equity capital
  • $80,511Total bank equity capital
  • $0Perpetual preferred stock
  • $1,350Common stock
  • $950Surplus
  • $78,211Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17,038Income earned, not collected on loans
  • $0Earning assets
  • $3,113Long-term assets (5+ years)
  • $732,795Average Assets, year-to-date
  • $359,279Average Assets, quarterly
  • $763,978Volatile liabilities
  • $782,466Insider loans
  • $391,168FHLB advances
  • $773,381Loans and leases held for sale
  • $19,743Unused loan commitments
  • $16,452Tier 1 (core) risk-based capital
  • $78,718Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,291Total unused commitments
  • $69,299Restructured Loans and leases
  • $174Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,672Total interest income
  • $2,945Total interest expense
  • $23,727Net interest income
  • $2,021Provision for loan and lease losses
  • $6,366Total noninterest income
  • $2,741Fiduciary activities
  • $785Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,840Additional noninterest income
  • $20,368Total noninterest expense
  • $11,061Salaries and employee benefits
  • $2,585Premises and equipment expense
  • $6,722Additional noninterest expense
  • $7,704Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,655Applicable income taxes
  • $6,049Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,049Net income attributable to bank
  • $0Net charge-offs
  • $6,049Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $6,206Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.76%Yield on earning assets
  • 0.41%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 7.67%Return on equity (ROE)
  • -0.20%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 11227.78%Credit loss provision to net charge-offs
  • 540.28%Efficiency ratio
  • 67,684Assets per employee
  • 4.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 102.60%Loss allowance to loans
  • 2.03%Loss allowance to noncurrent loans
  • 43.24%Noncurrent assets plus other real estate owned to assets
  • 2.17%Noncurrent loans to loans
  • 4.70%Net loans and leases to deposits
  • 51.98%Net loans and leases to core deposits
  • 52.57%Equity capital to assets
  • 10.26%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 20.12%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $763,978Average earning assets
  • $78,852Average equity
  • $709,927Average 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
  • $444,618Managed Assets
  • 1Number of Accounts
  • $441,458Personal trust and agency accounts
  • $169,110Employee benefit-defined contribution accounts
  • $20,219Employee benefit-defined benefit accounts
  • $15,379Other retirement accounts
  • $71,501Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $165,249Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 867Number of Accounts
  • $0Personal trust and agency accounts
  • $71,501Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,160Other retirement accounts
  • $903Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 17 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04960First National Bank And Trust Compan40 South State Street, Newtown, PA 18940Febuary 25, 1864Full Service Brick and Mortar
    1216193Wrightstown BranchRoutes 232 And 413, Wrightstown, PA 18940October 15, 1965Full Service Brick and Mortar
    2216194Yardley Road BranchNewtown Yardley Rd, Newtown, PA 18940June 05, 1967Full Service Brick and Mortar
    3216195Washington Crossing BranchGeneral Washington Memorial Blvd., Washington Crossing, PA 18977January 06, 1969Full Service Brick and Mortar
    4216196Langhorne Branch201 South Bellevue Avenue, Langhorne, PA 19047September 21, 1970Full Service Brick and Mortar
    5216197Richboro Branch832 Second Street Pike, Richboro, PA 18954October 30, 1970Full Service Brick and Mortar
    6216198Park Terrace Branch275 South Main Street, Doylestown, PA 18901May 19, 1986Full Service Brick and Mortar
    7216199Pennswood Village Branch2 Pennswood Dr, Newtown, PA 18940March 30, 1987Full Service Brick and Mortar
    8216200Attleboro Branch290 East Winchester Avenue, Langhorne, PA 19047July 25, 1989Full Service Brick and Mortar
    9216201Twining Village Branch280 Middle Holland Road, Holland, PA 18966May 29, 1990Full Service Brick and Mortar
    10216202Jamison Office Branch2370 York Road, Building #h1, Jamison, PA 18929January 23, 1991Full Service Brick and Mortar
    11216203Fairless Hills BranchOxford Valley Road And Olds Boulevard, Fairless Hills, PA 19030January 12, 1989Full Service Brick and Mortar
    12216204Southampton Estates Branch238 Street Road, Southampton, PA 18966September 02, 1993Full Service Brick and Mortar
    13216205Levittown Branch1323 East Lincoln Highway, Levittown, PA 19056December 30, 1996Full Service Brick and Mortar
    14216206Solebury Office Branch408 York Road, New Hope, PA 18938Febuary 25, 1999Full Service Brick and Mortar
    15357061Warminster Office BranchCenter Point Plaza, 876 Street Road, Warminster, PA 18974June 30, 2000Full Service Brick and Mortar
    16527032St. Andrew School Branch51 Wrights Road, Newtown, PA 18940October 04, 2011Full Service Brick and Mortar

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