First National Community Bank in Dunmore, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


First National Community Bank - Overview

  • General
  • FDIC Certificate #: 7472
    Status: Active
    Federal Reserve ID: 239613
    Bank Holding Company (Regulatory Top Holder): First National Community Bancorp Inc (RSSDID: 2560263, Location: Dunmore, PA)
    Date Established: January 01, 1910
    WWW: http://www.fncb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 22 (Domestic: 22, Interstate: No)
    OTS Docket #: 11233
    FDIC's unique #: 4854
    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: January 06, 2012
    Last Structure Change Process Date: January 12, 2012
    Last Data Update: January 12, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 East Drinker Street, Dunmore, PA 18512
    County: Lackawanna
    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): Scranton--Wilkes-Barre--Hazleton, PA (#7560)
    Core Based Statistical Area (CBSA): Scranton-Wilkes-Barre, PA (#42540)
    CBSA Metro Statistical Area: Scranton-Wilkes-Barre, PA (#42540)
  • Financial Summary
  • Total assets: $1,105.2 mil
    Equity capital: $82.1 mil
    Deposits held in domestic offices: $957.5 mil
    Return on assets (ROA): 0.52% ($5.7 mil)
    Quarterly return on assets: 1.43% ($15.8 mil)
    Return on Equity (ROE): 7.96% ($6.5 mil)
    Quarterly return on equity: 20.28% ($16.6 mil)
    Net income: $5.9 mil
    Quarterly Net income: $4.0 mil
    Pretax return on assets: 0.52% ($5,747.2 mil)
    Quarterly Pretax return on assets: 1.43% ($15,804.7 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
  • 307Total employees (full-time equivalent)
  • $1,105,223Total assets
  • $168,646Cash and due from depository institutions
  • $149,690Interest-bearing balances
  • $187,959Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $660,489Net loans & leases
  • $20,916Loan loss allowance
  • $0Trading account assets
  • $18,643Bank premises and fixed assets
  • $8,114Other real estate owned
  • $1,505Goodwill and other intangibles
  • $1,105,223Life insurance assets
  • $59,867All other assets
  • $1,023,141Total liabilities and capital
  • $957,490Total liabilities
  • $931,541Total deposits
  • $957,490Interest-bearing deposits
  • $58Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $48,261Trading liabilities
  • $0Other borrowed funds
  • $17,390Subordinated debt
  • $82,082All other liabilities
  • $82,082Total equity capital
  • $82,082Total bank equity capital
  • $0Perpetual preferred stock
  • $1,499Common stock
  • $43,525Surplus
  • $37,058Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $94Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21,593Income earned, not collected on loans
  • $6,051Earning assets
  • $2,552Long-term assets (5+ years)
  • $998,138Average Assets, year-to-date
  • $226,552Average Assets, quarterly
  • $1,129,710Volatile liabilities
  • $1,117,758Insider loans
  • $789,213FHLB advances
  • $1,124,324Loans and leases held for sale
  • $26,769Unused loan commitments
  • $12,605Tier 1 (core) risk-based capital
  • $85,231Tier 2 risk-based capital
  • $14,164Total risk weighted assets
  • $0Total unused commitments
  • $142,684Restructured Loans and leases
  • $20,867Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $42,939Total interest income
  • $11,380Total interest expense
  • $31,559Net interest income
  • -$1,083Provision for loan and lease losses
  • $8,958Total noninterest income
  • $0Fiduciary activities
  • $2,316Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,642Additional noninterest income
  • $40,513Total noninterest expense
  • $14,344Salaries and employee benefits
  • $4,110Premises and equipment expense
  • $22,059Additional noninterest expense
  • $1,087Pre-tax net operating income
  • $4,766Securities gains (losses)
  • $0Applicable income taxes
  • $5,853Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,853Net income attributable to bank
  • $0Net charge-offs
  • $5,853Cash dividends
  • $583Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.25%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.13%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 4.01%Noninterest expense to earning assets
  • 0.10%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.52%Pretax return on assets
  • 7.96%Return on equity (ROE)
  • 7.96%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • -185.76%Credit loss provision to net charge-offs
  • 0.01%Efficiency ratio
  • 98,862Assets per employee
  • 3.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.07%Loss allowance to noncurrent loans
  • 96.86%Noncurrent assets plus other real estate owned to assets
  • 3.07%Noncurrent loans to loans
  • 3.17%Net loans and leases to deposits
  • 68.98%Net loans and leases to core deposits
  • 79.67%Equity capital to assets
  • 7.43%Core capital (leverage) ratio
  • 7.58%Tier 1 risk-based capital ratio
  • 10.80%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,129,710Average earning assets
  • $73,560Average equity
  • $1,009,409Average loans

List of branches

  • 22 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04854First National Community Bank102 East Drinker Street, Dunmore, PA 18512January 01, 1910Full Service Brick and Mortar
    1215663Dunmore BranchWest Drinker & South Blakely Streets, Dunmore, PA 18512June 03, 1974Limited Service Facility
    2215664Scranton Branch419-421 Spruce Street, Scranton, PA 18503August 27, 1980Full Service Brick and Mortar
    3215665Dickson City Branch934 Main Street, Dickson City, PA 18519December 03, 1984Full Service Brick and Mortar
    5215667Wilkes-Barre Branch23 West Market Street, Wilkes-Barre, PA 18701July 26, 1993Full Service Brick and Mortar
    6215668Pittston Plaza BranchPittston Plaza, Pittston, PA 18640April 10, 1995Full Service Brick and Mortar
    7215669Kingston Office Branch754 Wyoming Avenue, Kingston, PA 18704August 30, 1996Full Service Brick and Mortar
    8215670Exeter Branch1625 Wyoming Avenue, Exeter, PA 18643November 02, 1998Full Service Brick and Mortar
    9334416Daleville Branch FacilityCorner Of Route 435 & Route 502, Covington Township, Moscow, PA 18444April 06, 2000Full Service Brick and Mortar
    10340705Plains Branch Facility27 North River Road Plains Plaza, Plains, PA 18705June 01, 2000Full Service Brick and Mortar
    12359980Shavertown Back Mountain Branch169 North Memorial Highway, Shavertown, PA 18708October 02, 2000Full Service Brick and Mortar
    13362634Clarks Green Branch269 East Grove Street, Clarks Green, PA 18411September 17, 2001Full Service Brick and Mortar
    14362945Hanover Township Branch734 Sans Souci Parkway, Hanover Township, PA 18706January 15, 2002Full Service Brick and Mortar
    15363500Nanticoke Branch194 South Market Street, Nanticoke, PA 18634April 15, 2002Full Service Brick and Mortar
    16424709Route 315 Branch40 Highway 315, Jenkins Township, PA 18640December 22, 2003Full Service Brick and Mortar
    17429755Hazleton Branch330-352 West Broad Street, Hazleton, PA 18201October 06, 2003Full Service Brick and Mortar
    18463505First National Community Bank, Stroudsburg Office Branch301 Mcconnell Street, Stroudsburg, PA 18360May 03, 2007Full Service Brick and Mortar
    198209Honesdale Branch1001 Main Street, Honesdale, PA 18431August 24, 1923Full Service Brick and Mortar
    20469113Honesdale Route 6 Office Branch1127 Texas Palmyra Highway, Honesdale, PA 18431October 10, 2007Full Service Brick and Mortar
    22475475Keyser Avenue Branch1745 Keyser Avenue, Scranton, PA 18504April 02, 2008Full Service Brick and Mortar
    23480446Marshall's Creek Branch5120 Milford Road, East Stroudsburg, PA 18302May 19, 2008Full Service Brick and Mortar
    24500163Wheeler Avenue Branch1219 Wheeler Ave, Dunmore, PA 18510December 14, 2009Full Service Brick and Mortar

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