The Citizens' National Bank of Ashland in Ashland, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 12, 1996

  • The Citizens' National Bank of Ashland in Ashland, Pennsylvania (PA)
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The Citizens' National Bank of Ashland - Overview

  • General
  • FDIC Certificate #: 7381
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Banks, National Association (#7616)
    Federal Reserve ID: 51310
    Date Established: June 24, 1875
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 4817
    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: January 12, 1996
    Last Structure Change Process Date: Febuary 09, 1996
    Last Data Update: Febuary 09, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 725 Centre Street, Ashland, PA 17921
    County: Schuylkill
    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
    Core Based Statistical Area (CBSA): Pottsville, PA (#39060)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $61.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $29Total assets
  • $61,441Cash and due from depository institutions
  • $1,885Interest-bearing balances
  • $0Securities
  • $29,887Federal funds sold & reverse repurchase agreements
  • $2,215Net loans & leases
  • $26,358Loan loss allowance
  • $294Trading account assets
  • $0Bank premises and fixed assets
  • $324Other real estate owned
  • $0Goodwill and other intangibles
  • $772Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $61,441Total liabilities
  • $52,034Total deposits
  • $51,256Interest-bearing deposits
  • $46,877Deposits held in domestic offices
  • 51256.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $778Total equity capital
  • $778Total bank equity capital
  • $9,407Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $1,000Undivided profits
  • Memoranda
  • $8,007Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $763Income earned, not collected on loans
  • $180Earning assets
  • $58,460Long-term assets (5+ years)
  • $25,527Average Assets, year-to-date
  • $62,189Average Assets, quarterly
  • $61,794Volatile liabilities
  • $1,360Insider loans
  • $88FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $198Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,110Total risk weighted assets
  • $23,692Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,333Total interest expense
  • $1,834Net interest income
  • $2,499Provision for loan and lease losses
  • $16Total noninterest income
  • $197Fiduciary activities
  • $0Service charges on deposit accounts
  • $77Trading account gains & fees
  • $0Additional noninterest income
  • $120Total noninterest expense
  • $2,181Salaries and employee benefits
  • $987Premises and equipment expense
  • $249Additional noninterest expense
  • $945Pre-tax net operating income
  • $499Securities gains (losses)
  • $3Applicable income taxes
  • $113Income before extraordinary items
  • $389Extraordinary gains - net
  • $0Net income attributable to bank
  • $389Net charge-offs
  • $0Cash dividends
  • $410Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.36%Cost of funding earning assets
  • 3.12%Net interest margin
  • 4.25%Noninterest income to earning assets
  • 0.33%Noninterest expense to earning assets
  • 3.71%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 0.81%Return on equity (ROE)
  • 4.18%Retained earnings to average equity (YTD only)
  • -0.23%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 80,898Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 105.40%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 38.53%Noncurrent assets plus other real estate owned to assets
  • 1.24%Noncurrent loans to loans
  • 2.86%Net loans and leases to deposits
  • 51.42%Net loans and leases to core deposits
  • 52.83%Equity capital to assets
  • 15.31%Core capital (leverage) ratio
  • 14.76%Tier 1 risk-based capital ratio
  • 38.45%Total risk-based capital ratio
  • Memoranda
  • $40Average assets
  • $62,189Average earning assets
  • $9,312Average equity
  • $58,844Average loans

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