Mid Penn Bank in Millersburg, Pennsylvania (PA)

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Mid Penn Bank
GeneralFDIC Certificate #: 9889
Status: Active
Federal Reserve ID: 786612
Bank Holding Company (Regulatory Top Holder): Mid Penn Bancorp, Inc. (RSSDID: 1944204, Location: Millersburg, PA)
Date Established: Febuary 21, 1868
WWW: http://www.midpennbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 14 (Domestic: 14, Interstate: No)
OTS Docket #: 10447
FDIC's unique #: 6327
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: December 04, 2006
Last Structure Change Process Date: March 02, 2007
Last Data Update: March 02, 2007
Data Source Date: April 05, 2012
LocationAddress: 349 Union Street, Millersburg, PA 17061
County: Dauphin
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Harrisburg-Lebanon-Carlisle, PA (#3240)
Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
Core Based Statistical Area (CBSA): Harrisburg-Carlisle, PA (#25420)
CBSA Metro Statistical Area: Harrisburg-Carlisle, PA (#25420)
History of ChangesOffice Purchased
Financial SummaryTotal assets: $715.4 mil
Equity capital: $53.3 mil
Deposits held in domestic offices: $634.1 mil
Return on assets (ROA): 0.67% ($4.8 mil)
Quarterly return on assets: 0.75% ($5.4 mil)
Return on Equity (ROE): 9.16% ($4.9 mil)
Quarterly return on equity: 10.15% ($5.4 mil)
Net income: $4.6 mil
Quarterly Net income: $1.3 mil
Pretax return on assets: 0.86% ($6,152.1 mil)
Quarterly Pretax return on assets: 0.99% ($7,082.0 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)183
Total assets$715,355
Cash and due from depository institutions$38,879
Interest-bearing balances$29,032
Federal funds sold & reverse repurchase agreements$6,439
Net loans & leases$475,945
Loan loss allowance $6,772
Trading account assets$0
Bank premises and fixed assets$13,324
Other real estate owned$931
Goodwill and other intangibles$1,290
All other assets$19,503
Life insurance assets$715,355
Total liabilities and capital$662,033
Total liabilities$634,142
Total deposits$560,795
Interest-bearing deposits$634,142
Deposits held in domestic offices$83
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$22,701
Other borrowed funds $0
Subordinated debt $5,190
All other liabilities $53,322
Total equity capital$53,322
Total bank equity capital$53,322
Perpetual preferred stock$0
Common stock$3,208
Undivided profits $15,044
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $11,800
Earning assets $998
Long-term assets (5+ years) $3,067
Average Assets, year-to-date $670,460
Average Assets, quarterly $145,167
Volatile liabilities $688,278
Insider loans $718,066
FHLB advances $484,185
Loans and leases held for sale $708,156
Unused loan commitments $7,896
Tier 1 (core) risk-based capital $7,896
Tier 2 risk-based capital $50,265
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $91,619
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $31,531
Total interest expense $9,522
Net interest income $22,009
Provision for loan and lease losses $1,205
Total noninterest income $3,030
Fiduciary activities $185
Service charges on deposit accounts $678
Trading account gains & fees $0
Additional noninterest income $2,167
Total noninterest expense $17,915
Salaries and employee benefits $9,519
Premises and equipment expense $3,064
Additional noninterest expense $5,332
Pre-tax net operating income $5,919
Securities gains (losses) $0
Applicable income taxes $1,274
Income before extraordinary items $4,645
Extraordinary gains - net $0
Net income attributable to bank $4,645
Net charge-offs $0
Cash dividends $4,645
Sale, conversion, retirement of capital stock, net $1,494
Net operating income $1,246
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.90%
Cost of funding earning assets 1.48%
Net interest margin 3.42%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 2.78%
Net operating income to assets 0.67%
Return on assets (ROA) 0.67%
Pretax return on assets 0.86%
Return on equity (ROE) 9.16%
Retained earnings to average equity (YTD only) 6.70%
Net charge-offs to loans 0.31%
Credit loss provision to net charge-offs 80.66%
Efficiency ratio4.77%
Assets per employee$71,289
Cash dividends to net income (YTD only)3.91%
Condition Ratios (%)
Loss allowance to loans 26.82%
Loss allowance to noncurrent loans 1.40%
Noncurrent assets plus other real estate owned to assets 57.39%
Noncurrent loans to loans 1.78%
Net loans and leases to deposits2.44%
Net loans and leases to core deposits 75.05%
Equity capital to assets 77.88%
Core capital (leverage) ratio 7.45%
Tier 1 risk-based capital ratio 7.10%
Total risk-based capital ratio 10.38%
Average assets$12
Average earning assets$688,278
Average equity $50,731
Average loans $643,676
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$25,030
Number of Accounts1
Personal trust and agency accounts$18,997
Employee benefit-defined contribution accounts$11,927
Employee benefit-defined benefit accounts$821
Other retirement accounts$0
Corporate trust and agency accounts$191
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$6,058
Non-managed Assets$0
Number of Accounts97
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$191
Employee benefit-defined benefit accounts$0
Other retirement accounts$6,033
Corporate trust and agency accounts$1,356
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$3,062
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14 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06327Mid Penn Bank349 Union Street, Millersburg, PA 17061Febuary 21, 1868Full Service Brick and Mortar
25359Dalmatia Branch205 School Road, Dalmatia, PA 17017April 26, 1912Full Service Brick and Mortar
48738Tower City BranchMain Street, Tower City, PA 17980Febuary 26, 1934Full Service Brick and Mortar
6221476Derry Street Branch4509 Derry Street, Harrisburg, PA 17111June 25, 1990Full Service Brick and Mortar
8221478Peters Mountain Branch1001 Peters Mountain Road, Dauphin, PA 17018Febuary 20, 1995Full Service Brick and Mortar
9221479Carlisle Pike Branch4622 Carlisle Pike, Mechanicsburg, PA 17050September 25, 1995Full Service Brick and Mortar
109110Miners Lykens Branch550 Main Street, Lykens, PA 17048January 01, 1934Full Service Brick and Mortar
11361755Front Street Branch2615 N Front Street, Harrisburg, PA 17110August 24, 2000Full Service Brick and Mortar
124403735500 Allentown Boulevard5500 Allentown Boulevard, Harrisburg, PA 17112April 18, 2005Full Service Brick and Mortar
13441769Market Square Branch17 North 2nd Street, Harrisburg, PA 17101June 20, 2005Full Service Retail
1441155Steelton Office51 South Front Street, Steelton, PA 17113January 01, 1900Full Service Brick and Mortar
15266653Middletown Branch1100 Spring Garden Drive, Middletown, PA 17057October 01, 1997Full Service Brick and Mortar
16460998Elizabethville Branch4642 State Route 209, Elizabethville, PA 17023Febuary 26, 2007Full Service Brick and Mortar
17468204Camp Hill Branch2101 Market Street, Camp Hill, PA 17011September 10, 2007Full Service Brick and Mortar
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