Northern Central Bank in Williamsport, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1998

  • Northern Central Bank in Williamsport, Pennsylvania (PA)
  • Show street view No street view available for this location

Northern Central Bank - Overview

  • General
  • FDIC Certificate #: 13754
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Keystone Financial Bank, National Association (#7712)
    Federal Reserve ID: 46811
    Date Established: January 02, 1934
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 35 (Interstate: No)
    OTS Docket #: 9895
    FDIC's unique #: 8602
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 26, 1934
    Last Structure Change Effective Date: December 31, 1998
    Last Structure Change Process Date: Febuary 05, 1999
    Last Data Update: July 28, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 West Third Street, Williamsport, PA 17701
    County: Lycoming
    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): Williamsport, PA (#9140)
    Combined Statistical Area (CSA): Williamsport-Lock Haven, PA (#558)
    Core Based Statistical Area (CBSA): Williamsport, PA (#48700)
    CBSA Metro Statistical Area: Williamsport, PA (#48700)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $1,154.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 357Total employees (full-time equivalent)
  • $1,155,056Total assets
  • $41,077Cash and due from depository institutions
  • $102Interest-bearing balances
  • $235,694Securities
  • $3,500Federal funds sold & reverse repurchase agreements
  • $839,475Net loans & leases
  • $10,422Loan loss allowance
  • $0Trading account assets
  • $15,331Bank premises and fixed assets
  • $2,329Other real estate owned
  • $820Goodwill and other intangibles
  • $0Life insurance assets
  • $16,830All other assets
  • $1,155,056Total liabilities and capital
  • $1,064,155Total liabilities
  • $883,200Total deposits
  • $794,575Interest-bearing deposits
  • $883,200Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $108,455Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $52,996Other borrowed funds
  • $0Subordinated debt
  • $19,504All other liabilities
  • $90,901Total equity capital
  • $90,901Total bank equity capital
  • $90,901Perpetual preferred stock
  • $0Common stock
  • $3,698Surplus
  • $26,095Undivided profits
  • Memoranda
  • $61,108Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $6,678Earning assets
  • $254Long-term assets (5+ years)
  • $6,330Average Assets, year-to-date
  • $1,078,771Average Assets, quarterly
  • $297,894Volatile liabilities
  • $1,153,888Insider loans
  • $1,151,400FHLB advances
  • $184,092Loans and leases held for sale
  • $42,917Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $242,023Total unused commitments
  • $0Restructured Loans and leases
  • $906,565Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $88,984Total interest income
  • $43,718Total interest expense
  • $45,266Net interest income
  • $3,404Provision for loan and lease losses
  • $11,893Total noninterest income
  • $2,926Fiduciary activities
  • $4,488Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,479Additional noninterest income
  • $31,455Total noninterest expense
  • $11,332Salaries and employee benefits
  • $3,911Premises and equipment expense
  • $16,212Additional noninterest expense
  • $22,300Pre-tax net operating income
  • -$44Securities gains (losses)
  • $6,410Applicable income taxes
  • $15,846Income before extraordinary items
  • $0Extraordinary gains - net
  • $15,846Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2,675Sale, conversion, retirement of capital stock, net
  • $15,222Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.24%Yield on earning assets
  • 4.05%Cost of funding earning assets
  • 4.19%Net interest margin
  • 1.10%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.93%Pretax return on assets
  • 18.08%Return on equity (ROE)
  • 0.71%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 127.25%Credit loss provision to net charge-offs
  • 9.61%Efficiency ratio
  • 54,805Assets per employee
  • 3.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.06%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 156.06%Noncurrent assets plus other real estate owned to assets
  • 0.64%Noncurrent loans to loans
  • 0.79%Net loans and leases to deposits
  • 95.05%Net loans and leases to core deposits
  • 103.22%Equity capital to assets
  • 7.87%Core capital (leverage) ratio
  • 7.92%Tier 1 risk-based capital ratio
  • 9.89%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $1,153,888Average earning assets
  • $87,664Average equity
  • $1,080,154Average loans

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