First National Bank of Leechburg in Leechburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 13, 1995

  • First National Bank of Leechburg in Leechburg, Pennsylvania (PA)
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First National Bank of Leechburg - Overview

  • General
  • FDIC Certificate #: 7904
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Commonwealth Bank (#7468)
    Federal Reserve ID: 1001620
    Date Established: September 18, 1900
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 11106
    FDIC's unique #: 5065
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 13, 1995
    Last Structure Change Process Date: Febuary 06, 1996
    Last Data Update: Febuary 06, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 152 Market Street, Leechburg, PA 15656
    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)
  • Financial Summary
  • Total assets: $183.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $55Total assets
  • $194,032Cash and due from depository institutions
  • $3,924Interest-bearing balances
  • $0Securities
  • $60,123Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $126,594Loan loss allowance
  • $1,294Trading account assets
  • $0Bank premises and fixed assets
  • $858Other real estate owned
  • $285Goodwill and other intangibles
  • $2,248Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $194,032Total liabilities
  • $177,545Total deposits
  • $154,426Interest-bearing deposits
  • $141,469Deposits held in domestic offices
  • 154426.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $18,755Trading liabilities
  • $0Other borrowed funds
  • $3,000Subordinated debt
  • $0All other liabilities
  • $1,364Total equity capital
  • $1,364Total bank equity capital
  • $16,487Perpetual preferred stock
  • $0Common stock
  • $688Surplus
  • $2,810Undivided profits
  • Memoranda
  • $12,989Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $729Income earned, not collected on loans
  • $513Earning assets
  • $186,717Long-term assets (5+ years)
  • $89,938Average Assets, year-to-date
  • $184,531Average Assets, quarterly
  • $193,219Volatile liabilities
  • $33,963Insider loans
  • $152FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $10,779Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,852Total risk weighted assets
  • $127,535Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $13,929Total interest expense
  • $6,296Net interest income
  • $7,633Provision for loan and lease losses
  • $577Total noninterest income
  • $544Fiduciary activities
  • $0Service charges on deposit accounts
  • $387Trading account gains & fees
  • $0Additional noninterest income
  • $157Total noninterest expense
  • $3,323Salaries and employee benefits
  • $1,446Premises and equipment expense
  • $246Additional noninterest expense
  • $1,631Pre-tax net operating income
  • $4,277Securities gains (losses)
  • $18Applicable income taxes
  • $1,459Income before extraordinary items
  • $2,836Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,836Net charge-offs
  • $272Cash dividends
  • $1,702Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.86%Cost of funding earning assets
  • 3.55%Net interest margin
  • 4.31%Noninterest income to earning assets
  • 0.31%Noninterest expense to earning assets
  • 1.88%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 2.33%Return on equity (ROE)
  • 17.07%Retained earnings to average equity (YTD only)
  • 6.83%Net charge-offs to loans
  • 0.24%Credit loss provision to net charge-offs
  • 212.13%Efficiency ratio
  • 40,638Assets per employee
  • 3.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.01%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 177.50%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 81.98%Net loans and leases to core deposits
  • 89.01%Equity capital to assets
  • 8.50%Core capital (leverage) ratio
  • 9.22%Tier 1 risk-based capital ratio
  • 14.00%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $184,531Average earning assets
  • $16,613Average equity
  • $177,137Average loans

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