First National Community Bank in Dunmore, Pennsylvania (PA)

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First National Community Bank
GeneralFDIC 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
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)307
Total assets$1,105,223
Cash and due from depository institutions$168,646
Interest-bearing balances$149,690
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$660,489
Loan loss allowance $20,916
Trading account assets$0
Bank premises and fixed assets$18,643
Other real estate owned$8,114
Goodwill and other intangibles$1,505
All other assets$59,867
Life insurance assets$1,105,223
Total liabilities and capital$1,023,141
Total liabilities$957,490
Total deposits$931,541
Interest-bearing deposits$957,490
Deposits held in domestic offices$58
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$48,261
Other borrowed funds $0
Subordinated debt $17,390
All other liabilities $82,082
Total equity capital$82,082
Total bank equity capital$82,082
Perpetual preferred stock$0
Common stock$1,499
Undivided profits $37,058
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $94
Income earned, not collected on loans $21,593
Earning assets $6,051
Long-term assets (5+ years) $2,552
Average Assets, year-to-date $998,138
Average Assets, quarterly $226,552
Volatile liabilities $1,129,710
Insider loans $1,117,758
FHLB advances $789,213
Loans and leases held for sale $1,124,324
Unused loan commitments $26,769
Tier 1 (core) risk-based capital $12,605
Tier 2 risk-based capital $85,231
Total risk weighted assets $14,164
Total unused commitments $0
Restructured Loans and leases $142,684
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $42,939
Total interest expense $11,380
Net interest income $31,559
Provision for loan and lease losses -$1,083
Total noninterest income $8,958
Fiduciary activities $0
Service charges on deposit accounts $2,316
Trading account gains & fees $0
Additional noninterest income $6,642
Total noninterest expense $40,513
Salaries and employee benefits $14,344
Premises and equipment expense $4,110
Additional noninterest expense $22,059
Pre-tax net operating income $1,087
Securities gains (losses) $4,766
Applicable income taxes $0
Income before extraordinary items $5,853
Extraordinary gains - net $0
Net income attributable to bank $5,853
Net charge-offs $0
Cash dividends $5,853
Sale, conversion, retirement of capital stock, net $583
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.25%
Cost of funding earning assets 1.13%
Net interest margin 3.13%
Noninterest income to earning assets 0.89%
Noninterest expense to earning assets 4.01%
Net operating income to assets 0.10%
Return on assets (ROA) 0.52%
Pretax return on assets 0.52%
Return on equity (ROE) 7.96%
Retained earnings to average equity (YTD only) 7.96%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs -185.76%
Efficiency ratio0.01%
Assets per employee$98,862
Cash dividends to net income (YTD only)3.60%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.07%
Noncurrent assets plus other real estate owned to assets 96.86%
Noncurrent loans to loans 3.07%
Net loans and leases to deposits3.17%
Net loans and leases to core deposits 68.98%
Equity capital to assets 79.67%
Core capital (leverage) ratio 7.43%
Tier 1 risk-based capital ratio 7.58%
Total risk-based capital ratio 10.80%
Average assets$12
Average earning assets$1,129,710
Average equity $73,560
Average loans $1,009,409
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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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