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

This bank is inactive as of March 20, 1995

  • Peoples National Bank of Central Pennsylvania in State College, Pennsylvania (PA)
  • Show street view No street view available for this location

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

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Peoples National Bank of Central Pennsylvania.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents