Marion Center Bank in Indiana, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Marion Center Bank - Overview

  • General
  • FDIC Certificate #: 7909
    Status: Active
    Federal Reserve ID: 947525
    Bank Holding Company (Regulatory Top Holder): Community Bankers' Corporation (RSSDID: 1138928, Location: Marion Center, PA)
    Date Established: July 06, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 11479
    FDIC's unique #: 5068
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 23, 2011
    Last Structure Change Process Date: March 30, 2012
    Last Data Update: March 30, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 1271 Indian Springs Road, Indiana, PA 15701
    County: Indiana
    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
    Core Based Statistical Area (CBSA): Indiana, PA (#26860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $249.8 mil
    Equity capital: $18.4 mil
    Deposits held in domestic offices: $217.5 mil
    Return on assets (ROA): 0.54% ($1.4 mil)
    Quarterly return on assets: 0.61% ($1.5 mil)
    Return on Equity (ROE): 7.39% ($1.3 mil)
    Quarterly return on equity: 8.08% ($1.5 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.60% ($1,498.5 mil)
    Quarterly Pretax return on assets: 0.63% ($1,573.5 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
  • 74Total employees (full-time equivalent)
  • $249,755Total assets
  • $3,525Cash and due from depository institutions
  • $10Interest-bearing balances
  • $104,742Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $127,045Net loans & leases
  • $1,694Loan loss allowance
  • $0Trading account assets
  • $7,867Bank premises and fixed assets
  • $456Other real estate owned
  • $366Goodwill and other intangibles
  • $249,755Life insurance assets
  • $5,754All other assets
  • $231,375Total liabilities and capital
  • $217,513Total liabilities
  • $182,483Total deposits
  • $217,513Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 7489.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,822Trading liabilities
  • $0Other borrowed funds
  • $1,551Subordinated debt
  • $18,380All other liabilities
  • $18,380Total equity capital
  • $18,380Total bank equity capital
  • $0Perpetual preferred stock
  • $123Common stock
  • $1,239Surplus
  • $17,018Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,561Income earned, not collected on loans
  • $0Earning assets
  • $1,226Long-term assets (5+ years)
  • $231,797Average Assets, year-to-date
  • $140,031Average Assets, quarterly
  • $246,915Volatile liabilities
  • $249,453Insider loans
  • $147,192FHLB advances
  • $249,632Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,144Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,771Restructured Loans and leases
  • $1,365Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,487Total interest income
  • $3,127Total interest expense
  • $7,360Net interest income
  • $352Provision for loan and lease losses
  • $605Total noninterest income
  • $0Fiduciary activities
  • $178Service charges on deposit accounts
  • $0Trading account gains & fees
  • $427Additional noninterest income
  • $7,004Total noninterest expense
  • $4,044Salaries and employee benefits
  • $493Premises and equipment expense
  • $2,467Additional noninterest expense
  • $609Pre-tax net operating income
  • $881Securities gains (losses)
  • $169Applicable income taxes
  • $1,321Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,321Net income attributable to bank
  • $0Net charge-offs
  • $1,321Cash dividends
  • $1,499Sale, conversion, retirement of capital stock, net
  • $886Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 1.36%Cost of funding earning assets
  • 3.20%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 0.22%Net operating income to assets
  • 0.54%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 7.39%Return on equity (ROE)
  • 2.43%Retained earnings to average equity (YTD only)
  • 1.10%Net charge-offs to loans
  • 23.48%Credit loss provision to net charge-offs
  • 0.64%Efficiency ratio
  • 87,935Assets per employee
  • 3.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.07%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 47.57%Noncurrent assets plus other real estate owned to assets
  • 1.61%Noncurrent loans to loans
  • 2.77%Net loans and leases to deposits
  • 58.41%Net loans and leases to core deposits
  • 62.70%Equity capital to assets
  • 7.36%Core capital (leverage) ratio
  • 7.27%Tier 1 risk-based capital ratio
  • 12.33%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $246,915Average earning assets
  • $17,870Average equity
  • $230,271Average loans

List of branches

  • 7 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05068Marion Center Bank1271 Indian Springs Road, Indiana, PA 15701July 06, 1905Full Service Brick and Mortar
    1216949Clymer Branch750 Franklin Street, Clymer, PA 15728December 06, 1984Full Service Brick and Mortar
    2216950Willow Springs Branch162 Rt 119 Hwy N, Indiana, PA 15701April 01, 1996Full Service Brick and Mortar
    3216951Big Run Branch326 E Main St, Punxsutawney, PA 15767May 02, 1997Full Service Brick and Mortar
    4217572Dayton Branch106 W Main Street, Dayton, PA 16222January 02, 1953Full Service Brick and Mortar
    5334463Punxsutawney Office Branch514 West Mahoning Street, Punxsutawney, PA 15767Febuary 07, 2000Full Service Brick and Mortar
    6521455Indiana Office Branch1271 Indian Springs Rd, Indiana, PA 15701June 23, 2011Full Service Brick and Mortar

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