National Bank of the Commonwealth in Indiana, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 13, 1995

  • National Bank of the Commonwealth in Indiana, Pennsylvania (PA)
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National Bank of the Commonwealth - Overview

  • General
  • FDIC Certificate #: 14221
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Commonwealth Bank (#7468)
    Federal Reserve ID: 42420
    Date Established: April 07, 1934
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 19 (Interstate: No)
    OTS Docket #: 10219
    FDIC's unique #: 8878
    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 07, 1934
    Last Structure Change Effective Date: November 13, 1995
    Last Structure Change Process Date: Febuary 06, 1996
    Last Data Update: April 11, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 Philadelphia Street, 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
  • Financial Summary
  • Total assets: $506.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $187Total assets
  • $506,183Cash and due from depository institutions
  • $15,289Interest-bearing balances
  • $0Securities
  • $202,479Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $277,045Loan loss allowance
  • $2,858Trading account assets
  • $0Bank premises and fixed assets
  • $3,330Other real estate owned
  • $380Goodwill and other intangibles
  • $7,660Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $506,183Total liabilities
  • $471,797Total deposits
  • $409,295Interest-bearing deposits
  • $354,935Deposits held in domestic offices
  • 409295.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $43,899Trading liabilities
  • $0Other borrowed funds
  • $14,696Subordinated debt
  • $766All other liabilities
  • $3,141Total equity capital
  • $3,141Total bank equity capital
  • $34,386Perpetual preferred stock
  • $0Common stock
  • $4,000Surplus
  • $4,000Undivided profits
  • Memoranda
  • $26,386Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,280Income earned, not collected on loans
  • $1,781Earning assets
  • $479,524Long-term assets (5+ years)
  • $210,869Average Assets, year-to-date
  • $502,203Average Assets, quarterly
  • $508,546Volatile liabilities
  • $95,409Insider loans
  • $9,496FHLB advances
  • $0Loans and leases held for sale
  • $4,635Unused loan commitments
  • $88,733Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $39,300Total risk weighted assets
  • $317,939Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $33,869Total interest expense
  • $15,624Net interest income
  • $18,245Provision for loan and lease losses
  • $799Total noninterest income
  • $3,042Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,238Trading account gains & fees
  • $0Additional noninterest income
  • $1,804Total noninterest expense
  • $10,917Salaries and employee benefits
  • $4,444Premises and equipment expense
  • $1,379Additional noninterest expense
  • $5,094Pre-tax net operating income
  • $9,571Securities gains (losses)
  • $106Applicable income taxes
  • $2,927Income before extraordinary items
  • $6,750Extraordinary gains - net
  • $0Net income attributable to bank
  • $6,750Net charge-offs
  • $556Cash dividends
  • $4,050Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.12%Cost of funding earning assets
  • 3.28%Net interest margin
  • 3.83%Noninterest income to earning assets
  • 0.64%Noninterest expense to earning assets
  • 2.29%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 1.93%Return on equity (ROE)
  • 19.09%Retained earnings to average equity (YTD only)
  • 7.64%Net charge-offs to loans
  • 0.21%Credit loss provision to net charge-offs
  • 143.71%Efficiency ratio
  • 51,285Assets per employee
  • 2.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.00%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 66.78%Noncurrent assets plus other real estate owned to assets
  • 0.92%Noncurrent loans to loans
  • 1.53%Net loans and leases to deposits
  • 67.69%Net loans and leases to core deposits
  • 74.88%Equity capital to assets
  • 6.79%Core capital (leverage) ratio
  • 7.78%Tier 1 risk-based capital ratio
  • 12.36%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $502,203Average earning assets
  • $35,354Average equity
  • $475,832Average loans

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