Peoples National Bank of Central Pennsylvania in city_name, state_name

Peoples National Bank of Central Pennsylvania in State College, Pennsylvania (PA)
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Peoples National Bank of Central Pennsylvania - Overview

General
FDIC Certificate #: 7766
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Omega Bank, National Association (#7575)
Federal Reserve ID: 868817
Date Established: January 01, 1922
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 17 (Interstate: No)
OTS Docket #: 10008
FDIC's unique #: 5012
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: January 01, 1934
Last Structure Change Effective Date: March 20, 1995
Last Structure Change Process Date: April 06, 1995
Last Data Update: April 11, 1998
Data Source Date: April 05, 2012
Location
Address: 117 South Allen Street, State College, PA 16801
County: Centre
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): State College, PA (#8050)
Core Based Statistical Area (CBSA): State College, PA (#44300)
CBSA Metro Statistical Area: State College, PA (#44300)
Financial Summary
Total assets: $335.5 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)
$151Total assets
$335,548Cash and due from depository institutions
$18,758Interest-bearing balances
$1,830Securities
$58,052Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$250,961Loan loss allowance
$3,186Trading account assets
$0Bank premises and fixed assets
$3,824Other real estate owned
$133Goodwill and other intangibles
$3,647Life insurance assets
$173All other assets
$0Total liabilities and capital
$335,548Total liabilities
$298,345Total deposits
$289,055Interest-bearing deposits
$230,021Deposits held in domestic offices
289055.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$5,450Trading liabilities
$0Other borrowed funds
$1,568Subordinated debt
$0All other liabilities
$2,272Total equity capital
$2,272Total bank equity capital
$37,203Perpetual preferred stock
$0Common stock
$858Surplus
$2,731Undivided profits
Memoranda
$33,614Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$541Income earned, not collected on loans
$1,655Earning assets
$310,843Long-term assets (5+ years)
$86,420Average Assets, year-to-date
$330,158Average Assets, quarterly
$332,852Volatile liabilities
$16,065Insider loans
$7,860FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$42,453Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$36,979Total risk weighted assets
$239,457Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$23,368Total interest expense
$7,222Net interest income
$16,146Provision for loan and lease losses
$125Total noninterest income
$2,780Fiduciary activities
$820Service charges on deposit accounts
$970Trading account gains & fees
$0Additional noninterest income
$990Total noninterest expense
$11,302Salaries and employee benefits
$4,465Premises and equipment expense
$1,194Additional noninterest expense
$5,643Pre-tax net operating income
$7,499Securities gains (losses)
$0Applicable income taxes
$2,390Income before extraordinary items
$5,109Extraordinary gains - net
$0Net income attributable to bank
$5,109Net charge-offs
$101Cash dividends
$1,647Sale, 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
7.65%Cost of funding earning assets
2.36%Net interest margin
5.29%Noninterest income to earning assets
0.91%Noninterest expense to earning assets
3.70%Net operating income to assets
1.55%Return on assets (ROA)
1.55%Pretax return on assets
2.27%Return on equity (ROE)
14.39%Retained earnings to average equity (YTD only)
9.75%Net charge-offs to loans
0.04%Credit loss provision to net charge-offs
123.76%Efficiency ratio
59,542Assets per employee
2.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
32.24%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
588.91%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.21%Net loans and leases to deposits
86.82%Net loans and leases to core deposits
89.63%Equity capital to assets
11.09%Core capital (leverage) ratio
11.24%Tier 1 risk-based capital ratio
15.44%Total risk-based capital ratio
Memoranda
$17Average assets
$330,158Average earning assets
$35,514Average equity
$305,375Average loans

Peoples National Bank of Central Pennsylvania in State College, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples National Bank of Central Pennsylvania - Overview

Assets and Liabilities (December 31, 1994)

Income and Expense (December 31, 1994)

Performance and Condition Ratios (December 31, 1994)

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

Peoples National Bank of Central Pennsylvania in State College, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples National Bank of Central Pennsylvania - Overview

Assets and Liabilities (December 31, 1994)

Income and Expense (December 31, 1994)

Performance and Condition Ratios (December 31, 1994)

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

Peoples National Bank of Central Pennsylvania in State College, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches