NC Interim National Bank in New Castle, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 12, 1999

  • NC Interim National Bank in New Castle, Pennsylvania (PA)
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NC Interim National Bank - Overview

  • General
  • FDIC Certificate #: 27917
    Status: Inactive
    Closing history: Change in Entity Type
    Acquiring institution: Firstmerit Bank, National Association (#13675)
    Federal Reserve ID: 683672
    Date Established: January 01, 1887
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 541
    FDIC's unique #: 40751
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: May 23, 1936
    Last Structure Change Effective Date: Febuary 12, 1999
    Last Structure Change Process Date: June 04, 1999
    Last Data Update: June 04, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 25 North Mill Street, New Castle, PA 16103
    County: Lawrence
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Wexford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430)
    Core Based Statistical Area (CBSA): New Castle, PA (#35260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Name Change
    Change in Primary Regulatory Agency
    Change in Entity Type
  • Financial Summary
  • Total assets: $426.9 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
  • 90Total employees (full-time equivalent)
  • $426,899Total assets
  • $21,974Cash and due from depository institutions
  • $20,060Interest-bearing balances
  • $114,060Securities
  • $55,309Federal funds sold & reverse repurchase agreements
  • $223,649Net loans & leases
  • $2,852Loan loss allowance
  • $0Trading account assets
  • $4,567Bank premises and fixed assets
  • $790Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $6,550All other assets
  • $426,899Total liabilities and capital
  • $381,696Total liabilities
  • $306,929Total deposits
  • $300,286Interest-bearing deposits
  • $306,929Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $72,320Other borrowed funds
  • $0Subordinated debt
  • $2,447All other liabilities
  • $45,203Total equity capital
  • $45,203Total bank equity capital
  • $45,203Perpetual preferred stock
  • $0Common stock
  • $10Surplus
  • $13,480Undivided profits
  • Memoranda
  • $31,713Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,575Earning assets
  • $0Long-term assets (5+ years)
  • $1,189Average Assets, year-to-date
  • $413,078Average Assets, quarterly
  • $0Volatile liabilities
  • $399,491Insider loans
  • $413,499FHLB advances
  • $128,843Loans and leases held for sale
  • $1,067Unused loan commitments
  • $71,466Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $23,662Total unused commitments
  • $0Restructured Loans and leases
  • $197,937Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $28,082Total interest income
  • $16,700Total interest expense
  • $11,382Net interest income
  • $1,719Provision for loan and lease losses
  • $3,792Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,792Additional noninterest income
  • $10,527Total noninterest expense
  • $3,140Salaries and employee benefits
  • $741Premises and equipment expense
  • $6,646Additional noninterest expense
  • $2,928Pre-tax net operating income
  • $1,316Securities gains (losses)
  • $1,429Applicable income taxes
  • $2,815Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,815Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,778Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.30%Yield on earning assets
  • 4.34%Cost of funding earning assets
  • 2.96%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 6.76%Return on equity (ROE)
  • 6.76%Retained earnings to average equity (YTD only)
  • 0.71%Net charge-offs to loans
  • 96.68%Credit loss provision to net charge-offs
  • 2.61%Efficiency ratio
  • 69,375Assets per employee
  • 4.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 181.08%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 72.87%Net loans and leases to core deposits
  • 89.31%Equity capital to assets
  • 10.59%Core capital (leverage) ratio
  • 10.27%Tier 1 risk-based capital ratio
  • 22.06%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $399,491Average earning assets
  • $41,665Average equity
  • $384,514Average loans

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