First United National Bank in Fryburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First United National Bank - Overview

  • General
  • FDIC Certificate #: 7886
    Status: Active
    Federal Reserve ID: 127224
    Bank Holding Company (Regulatory Top Holder): Fryburg Banking Company, Inc. (RSSDID: 2687601, Location: Fryburg, PA)
    Date Established: August 02, 1909
    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: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12526
    FDIC's unique #: 5059
    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: 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: Routes 157 And 208, Fryburg, PA 16326
    County: Clarion
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $243.8 mil
    Equity capital: $19.6 mil
    Deposits held in domestic offices: $224.0 mil
    Return on assets (ROA): 1.02% ($2.5 mil)
    Quarterly return on assets: 0.99% ($2.4 mil)
    Return on Equity (ROE): 13.11% ($2.6 mil)
    Quarterly return on equity: 12.38% ($2.5 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.41% ($3,437.0 mil)
    Quarterly Pretax return on assets: 1.36% ($3,315.1 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
  • 63Total employees (full-time equivalent)
  • $243,759Total assets
  • $37,063Cash and due from depository institutions
  • $35,741Interest-bearing balances
  • $52,242Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $148,652Net loans & leases
  • $1,678Loan loss allowance
  • $0Trading account assets
  • $2,913Bank premises and fixed assets
  • $181Other real estate owned
  • $225Goodwill and other intangibles
  • $243,759Life insurance assets
  • $2,483All other assets
  • $224,190Total liabilities and capital
  • $223,973Total liabilities
  • $179,113Total deposits
  • $223,973Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $217Subordinated debt
  • $19,569All other liabilities
  • $19,569Total equity capital
  • $19,569Total bank equity capital
  • $0Perpetual preferred stock
  • $584Common stock
  • $2,117Surplus
  • $16,868Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $480Income earned, not collected on loans
  • $0Earning assets
  • $771Long-term assets (5+ years)
  • $236,635Average Assets, year-to-date
  • $65,992Average Assets, quarterly
  • $244,781Volatile liabilities
  • $244,827Insider loans
  • $121,102FHLB advances
  • $245,927Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,054Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,304Restructured Loans and leases
  • $1,017Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,042Total interest income
  • $2,068Total interest expense
  • $7,974Net interest income
  • $230Provision for loan and lease losses
  • $805Total noninterest income
  • $0Fiduciary activities
  • $481Service charges on deposit accounts
  • $0Trading account gains & fees
  • $324Additional noninterest income
  • $5,116Total noninterest expense
  • $2,911Salaries and employee benefits
  • $624Premises and equipment expense
  • $1,581Additional noninterest expense
  • $3,433Pre-tax net operating income
  • $12Securities gains (losses)
  • $949Applicable income taxes
  • $2,496Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,496Net income attributable to bank
  • $0Net charge-offs
  • $2,496Cash dividends
  • $167Sale, conversion, retirement of capital stock, net
  • $1,340Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.23%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.16%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 13.11%Return on equity (ROE)
  • 6.07%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 137.72%Credit loss provision to net charge-offs
  • 21.93%Efficiency ratio
  • 58,275Assets per employee
  • 3.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.69%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 349.58%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.32%Net loans and leases to deposits
  • 66.37%Net loans and leases to core deposits
  • 69.46%Equity capital to assets
  • 8.03%Core capital (leverage) ratio
  • 7.75%Tier 1 risk-based capital ratio
  • 15.73%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $244,781Average earning assets
  • $19,042Average equity
  • $237,324Average loans

List of branches

  • 6 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05059First United National BankRoutes 157 And 208, Fryburg, PA 16326August 02, 1909Full Service Brick and Mortar
    2216840Oil City Branch1 Central Avenue, Oil City, PA 16301Febuary 04, 1980Full Service Brick and Mortar
    3277500New Bethlehem Branch706 Broad Street, New Bethlehem, PA 16242January 01, 1928Full Service Brick and Mortar
    4185608Franklin Branch1153 Liberty Street, Franklin, PA 16323September 17, 1971Full Service Brick and Mortar
    5216914Clarion Branch400 Liberty Street, Clarion, PA 16214Febuary 17, 1998Full Service Brick and Mortar
    6461044Cranberry Branch112 Hoss Drive, Cranberry, PA 16319January 16, 2007Full Service Brick and Mortar

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