QNB Bank in Quakertown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

QNB Bank - Overview

  • General
  • FDIC Certificate #: 7714
    Status: Active
    Federal Reserve ID: 852713
    Bank Holding Company (Regulatory Top Holder): Qnb Corp. (RSSDID: 1118434, Location: Quakertown, PA)
    Date Established: July 21, 1877
    WWW: http://www.qnb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 15604
    FDIC's unique #: 4983
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 28, 2007
    Last Structure Change Process Date: Febuary 06, 2008
    Last Data Update: Febuary 06, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 15 North Third Street, Quakertown, PA 18951
    County: Bucks
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • History of Changes
  • Change in Location
    Name Change
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $864.8 mil
    Equity capital: $66.6 mil
    Deposits held in domestic offices: $750.7 mil
    Return on assets (ROA): 1.07% ($9.3 mil)
    Quarterly return on assets: 0.89% ($7.7 mil)
    Return on Equity (ROE): 14.53% ($9.7 mil)
    Quarterly return on equity: 11.73% ($7.9 mil)
    Net income: $9.0 mil
    Quarterly Net income: $1.9 mil
    Pretax return on assets: 1.37% ($11,847.9 mil)
    Quarterly Pretax return on assets: 1.10% ($9,512.9 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 169Total employees (full-time equivalent)
  • $864,808Total assets
  • $10,524Cash and due from depository institutions
  • $788Interest-bearing balances
  • $345,618Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $481,630Net loans & leases
  • $9,241Loan loss allowance
  • $0Trading account assets
  • $7,604Bank premises and fixed assets
  • $826Other real estate owned
  • $490Goodwill and other intangibles
  • $864,808Life insurance assets
  • $18,116All other assets
  • $798,251Total liabilities and capital
  • $750,712Total liabilities
  • $683,862Total deposits
  • $750,712Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 44021.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $299Trading liabilities
  • $0Other borrowed funds
  • $3,219Subordinated debt
  • $66,557All other liabilities
  • $66,557Total equity capital
  • $66,557Total bank equity capital
  • $0Perpetual preferred stock
  • $320Common stock
  • $2,280Surplus
  • $63,957Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $935Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18,977Income earned, not collected on loans
  • $0Earning assets
  • $2,990Long-term assets (5+ years)
  • $828,036Average Assets, year-to-date
  • $322,381Average Assets, quarterly
  • $838,401Volatile liabilities
  • $868,118Insider loans
  • $575,925FHLB advances
  • $866,555Loans and leases held for sale
  • $9,728Unused loan commitments
  • $8,369Tier 1 (core) risk-based capital
  • $62,256Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,359Total unused commitments
  • $122,899Restructured Loans and leases
  • $5,659Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $36,128Total interest income
  • $8,091Total interest expense
  • $28,037Net interest income
  • $2,700Provision for loan and lease losses
  • $4,423Total noninterest income
  • $0Fiduciary activities
  • $1,282Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,141Additional noninterest income
  • $18,151Total noninterest expense
  • $9,801Salaries and employee benefits
  • $2,854Premises and equipment expense
  • $5,496Additional noninterest expense
  • $11,609Pre-tax net operating income
  • -$94Securities gains (losses)
  • $2,531Applicable income taxes
  • $8,984Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,984Net income attributable to bank
  • $0Net charge-offs
  • $8,984Cash dividends
  • $2,414Sale, conversion, retirement of capital stock, net
  • $2,575Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 3.50%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 2.26%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 14.53%Return on equity (ROE)
  • 10.36%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 111.85%Credit loss provision to net charge-offs
  • 5.93%Efficiency ratio
  • 55,918Assets per employee
  • 5.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.66%Loss allowance to loans
  • 1.88%Loss allowance to noncurrent loans
  • 48.70%Noncurrent assets plus other real estate owned to assets
  • 2.51%Noncurrent loans to loans
  • 3.87%Net loans and leases to deposits
  • 64.16%Net loans and leases to core deposits
  • 67.45%Equity capital to assets
  • 7.70%Core capital (leverage) ratio
  • 7.18%Tier 1 risk-based capital ratio
  • 10.81%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $838,401Average earning assets
  • $61,836Average equity
  • $801,943Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $7,094Managed Assets
  • 1Number of Accounts
  • $7,094Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,350Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $5,693Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $51Non-managed Assets
  • 24Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 11 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04983Qnb Bank15 North Third Street, Quakertown, PA 18951July 21, 1877Full Service Brick and Mortar
    1216417Country Square Branch240 S West End Blvd, Quakertown, PA 18951November 04, 1974Full Service Brick and Mortar
    2216418Dublin Village Branch161 North Main Street, Dublin, PA 18917October 24, 1981Full Service Brick and Mortar
    4216420Coopersburg Branch51 S Third St, Coopersburg, PA 18036May 09, 1988Full Service Brick and Mortar
    5216421Pennsburg Branch410-420 Pottstown Avenue, Pennsburg, PA 18073May 16, 1988Full Service Brick and Mortar
    6181709Perkasie Branch607 Chestnut Street, Perkasie, PA 18944May 17, 1982Full Service Brick and Mortar
    8357190Qnb-Online Internet Banking BranchWww.Qnb.com, Quakertown, PA 18951Febuary 01, 2000Full Service Cyber
    9359046Souderton Branch750 Souderton Road, Souderton, PA 18964January 08, 2001Full Service Brick and Mortar
    10430053Quaker Commons Office Branch901 S. West End Blvd., Quakertown, PA 18951May 26, 2004Full Service Retail
    11451720Bucks, Montgomery Lehigh And Northampton Counties Branch15 North Third Street, Quakertown, PA 18951March 20, 2006Limited Service Messenger
    12484697Wescosville Branch950 Mill Creek Road, Allentown, PA 18106November 15, 2008Full Service Brick and Mortar

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