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

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