NBO National Bank in Olyphant, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 13, 1999

  • NBO National Bank in Olyphant, Pennsylvania (PA)
  • Show street view No street view available for this location

NBO National Bank - Overview

  • General
  • FDIC Certificate #: 14117
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Liberty Bank & Trust (#7537)
    Federal Reserve ID: 280213
    Date Established: April 12, 1934
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    OTS Docket #: 12945
    FDIC's unique #: 8822
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: April 12, 1934
    Last Structure Change Effective Date: Febuary 13, 1999
    Last Structure Change Process Date: March 01, 1999
    Last Data Update: March 01, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 128 Lackawanna Street, Olyphant, PA 18447
    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 Summary
  • Total assets: $263.4 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 80Total employees (full-time equivalent)
  • $263,408Total assets
  • $9,400Cash and due from depository institutions
  • $3,999Interest-bearing balances
  • $92,466Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $150,837Net loans & leases
  • $2,055Loan loss allowance
  • $0Trading account assets
  • $4,003Bank premises and fixed assets
  • $202Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $6,500All other assets
  • $263,408Total liabilities and capital
  • $237,501Total liabilities
  • $180,446Total deposits
  • $159,690Interest-bearing deposits
  • $180,446Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $5,000Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $50,000Other borrowed funds
  • $0Subordinated debt
  • $2,055All other liabilities
  • $25,907Total equity capital
  • $25,907Total bank equity capital
  • $25,907Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $2,484Undivided profits
  • Memoranda
  • $22,923Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $645Earning assets
  • $0Long-term assets (5+ years)
  • $866Average Assets, year-to-date
  • $247,302Average Assets, quarterly
  • $128,023Volatile liabilities
  • $264,777Insider loans
  • $261,976FHLB advances
  • $35,628Loans and leases held for sale
  • $3,959Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $16,831Total unused commitments
  • $0Restructured Loans and leases
  • $159,635Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $18,626Total interest income
  • $10,480Total interest expense
  • $8,146Net interest income
  • $360Provision for loan and lease losses
  • $1,029Total noninterest income
  • $496Fiduciary activities
  • $214Service charges on deposit accounts
  • $0Trading account gains & fees
  • $319Additional noninterest income
  • $6,580Total noninterest expense
  • $3,002Salaries and employee benefits
  • $1,150Premises and equipment expense
  • $2,428Additional noninterest expense
  • $2,235Pre-tax net operating income
  • $28Securities gains (losses)
  • $513Applicable income taxes
  • $1,750Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,750Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $171Sale, conversion, retirement of capital stock, net
  • $931Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.49%Yield on earning assets
  • 4.22%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 7.08%Return on equity (ROE)
  • 3.31%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 210.53%Credit loss provision to net charge-offs
  • 15.18%Efficiency ratio
  • 71,717Assets per employee
  • 3.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.20%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 318.60%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 83.59%Net loans and leases to core deposits
  • 97.43%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 9.77%Tier 1 risk-based capital ratio
  • 16.00%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $264,777Average earning assets
  • $24,708Average equity
  • $248,609Average loans

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