Mifflinburg Bank and Trust Company in city_name, state_name

Mifflinburg Bank and Trust Company in Mifflinburg, Pennsylvania (PA)
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Mifflinburg Bank and Trust Company routing number info

Mifflinburg Bank and Trust Company - Overview

General
FDIC Certificate #: 10685
Status: Active
Federal Reserve ID: 779016
Bank Holding Company (Regulatory Top Holder): Mifflinburg Bancorp, Inc. (RSSDID: 1137042, Location: Mifflinburg, PA)
Date Established: January 01, 1872
WWW: http://www.mbtc.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 9706
FDIC's unique #: 6856
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 06, 2007
Last Structure Change Process Date: June 06, 2007
Last Data Update: June 06, 2007
Data Source Date: April 05, 2012
Location
Address: 250 East Chestnut Street, Mifflinburg, PA 17844
County: Union
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
Combined Statistical Area (CSA): Sunbury-Lewisburg-Selinsgrove, PA (#526)
Core Based Statistical Area (CBSA): Lewisburg, PA (#30260)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $330.3 mil
Equity capital: $33.2 mil
Deposits held in domestic offices: $256.8 mil
Return on assets (ROA): 1.11% ($3.7 mil)
Quarterly return on assets: 0.76% ($2.5 mil)
Return on Equity (ROE): 10.79% ($3.6 mil)
Quarterly return on equity: 7.48% ($2.5 mil)
Net income: $3.5 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.40% ($4,624.0 mil)
Quarterly Pretax return on assets: 0.90% ($2,972.6 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
73Total employees (full-time equivalent)
$330,289Total assets
$31,855Cash and due from depository institutions
$25,243Interest-bearing balances
$76,082Securities
$1,441Federal funds sold & reverse repurchase agreements
$200,480Net loans & leases
$3,063Loan loss allowance
$0Trading account assets
$6,602Bank premises and fixed assets
$314Other real estate owned
$242Goodwill and other intangibles
$330,289Life insurance assets
$13,273All other assets
$297,096Total liabilities and capital
$256,782Total liabilities
$223,541Total deposits
$256,782Interest-bearing deposits
$86Deposits held in domestic offices
15356.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$21,255Trading liabilities
$0Other borrowed funds
$3,703Subordinated debt
$33,193All other liabilities
$33,193Total equity capital
$33,193Total bank equity capital
$0Perpetual preferred stock
$180Common stock
$2,600Surplus
$30,413Undivided profits
Memoranda
$0Noncurrent loans and leases
$628Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$823Income earned, not collected on loans
$0Earning assets
$1,228Long-term assets (5+ years)
$303,246Average Assets, year-to-date
$157,643Average Assets, quarterly
$317,642Volatile liabilities
$327,467Insider loans
$223,290FHLB advances
$329,198Loans and leases held for sale
$8,530Unused loan commitments
$6,737Tier 1 (core) risk-based capital
$32,253Tier 2 risk-based capital
$1,793Total risk weighted assets
$0Total unused commitments
$44,133Restructured Loans and leases
$5,370Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$13,498Total interest income
$3,464Total interest expense
$10,034Net interest income
$850Provision for loan and lease losses
$2,035Total noninterest income
$142Fiduciary activities
$812Service charges on deposit accounts
$0Trading account gains & fees
$1,081Additional noninterest income
$6,798Total noninterest expense
$3,678Salaries and employee benefits
$779Premises and equipment expense
$2,341Additional noninterest expense
$4,421Pre-tax net operating income
$40Securities gains (losses)
$947Applicable income taxes
$3,514Income before extraordinary items
$0Extraordinary gains - net
$3,514Net income attributable to bank
$0Net charge-offs
$3,514Cash dividends
$161Sale, conversion, retirement of capital stock, net
$1,681Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.62%Yield on earning assets
1.19%Cost of funding earning assets
3.43%Net interest margin
0.70%Noninterest income to earning assets
2.33%Noninterest expense to earning assets
1.10%Net operating income to assets
1.11%Return on assets (ROA)
1.40%Pretax return on assets
10.79%Return on equity (ROE)
5.63%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
527.95%Credit loss provision to net charge-offs
32.74%Efficiency ratio
56,326Assets per employee
4.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.84%Loss allowance to loans
1.50%Loss allowance to noncurrent loans
372.17%Noncurrent assets plus other real estate owned to assets
0.34%Noncurrent loans to loans
0.40%Net loans and leases to deposits
78.07%Net loans and leases to core deposits
80.77%Equity capital to assets
10.05%Core capital (leverage) ratio
9.80%Tier 1 risk-based capital ratio
14.44%Total risk-based capital ratio
Memoranda
$16Average assets
$317,642Average earning assets
$32,573Average equity
$292,260Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$23,795Managed Assets
1Number of Accounts
$20,621Personal trust and agency accounts
$11,521Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$23Investment management agency accounts
$4,109Other fiduciary accounts
$4,468Fiduciary accounts held in foreign offices
$500Non-managed Assets
125Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$3,174Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$2,500Fiduciary accounts held in foreign offices

List of branches

6 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6856	Mifflinburg Bank And Trust Company	250 East Chestnut Street, Mifflinburg, PA 17844	January 01, 1872	Full Service Brick and Mortar
2	222891	Lewisburg Branch	Route 192 And Fairground Road, Lewisburg, PA 17837	May 01, 1991	Full Service Brick and Mortar
4	222892	Millheim Office	Market Drive, Millheim, PA 16854	June 26, 1997	Full Service Brick and Mortar
8	473950	New Berlin Branch	214 Vine Street, New Berlin, PA 17855	April 07, 2008	Full Service Brick and Mortar
9	473964	Courier Service-Union/Snyder/northum	250 Chestnut Street, Mifflinburg, PA 17844	April 09, 2008	Limited Service Messenger
10	506278	Shamokin Dam Office	2894 North Susquehanna Trail, Shamokin Dam, PA 17876	January 04, 2010	Full Service Brick and Mortar

Mifflinburg Bank and Trust Company in Mifflinburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Mifflinburg Bank and Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Mifflinburg Bank and Trust Company in Mifflinburg, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

Mifflinburg Bank and Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Mifflinburg Bank and Trust Company in Mifflinburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches